Today we’re going to look at Debt Settlement Affiliate Programs.
The debt in the United States keeps growing every year. Currently, the total household debt in the US stands at 15.24 trillion dollars. That’s 1 Trillion more than in 2021.
This includes credit card debt of $860 billion and mortgage debt of nearly $11 trillion.
And with such growth in debt, it brings a HUGE opportunity for affiliates to earn some great money through debt settlement affiliate programs. And I am speaking from experience.
I’m an affiliate in this niche marketing a private affiliate program that helps people get out of payday loan debt.
While this is a very competitive niche. It’s still a niche you may want to seriously consider getting into.
Debt Settlement Affiliate Programs
1) National Debt Relief
2) Cura Debt
3) Guardian Debt Relief
4) Debt Consolidation Care
5) Happy Money
6) Experian
1) National Debt Relief
National Debt Relief provides people with low-cost ways of getting out of credit card debt.
And with the average American carrying $6,194 in credit card debt, many people are looking for solutions to get out of their credit card debt.
Now many people that get deeper and deeper into debt usually think that bankruptcy is the only way out. And yes for some people that may be true.
However, for most people, that’s not the best option. Debt consolidation is a far better option. And for many reasons.
For instance, if you consolidate your debt it does help you on the path to improving your credit score. If you go bankrupt you have no credit anymore, plus going bankrupt becomes a public record. Consolidation does not.
With this affiliate program, you will earn $27.50 for each qualified lead. Plus, a 10% override on commissions on all affiliates you refer to the affiliate program.
This program is managed through Share A Sale. So, if you’re not already part of Share A Sale you will need to apply to them first before you can apply for the National Debt Relief affiliate program.
All of your commissions will be paid to you monthly. And you do have banners available for your marketing.
Commission Rate: $27.50 – plus 12% override
Tracking Cookie Duration: 60
Commission Payment: Monthly
Application Process: Share A Sale
Creatives: Yes
You can join the National Debt Relief affiliate program here
2) Cura Debt
CuraDebt has been providing people with debt relief services since 2000. They provide debt relief for credit cards, medical bills, tax debt, and other unsecured debt.
What I like about this program is that people who come to the site can fill out a free consultation form that only takes 1 minute to complete.
And because they offer this free consultation form a lot of your visitors will complete this form. Which gives you the opportunity to earn a lot of money every month even if you’re not referring a lot of people.
Now when it comes to their affiliate program you’re going to earn $30 per qualified free debt relief consultation lead. And then you’ll earn a $200 bonus for each lead that converts into a client.
Now if someone is coming to their website and they’re looking for tax relief. You’ll earn a $40 commission for every prequalified free tax relief compensation lead. Plus, a $200 bonus for each lead that converts into a client.
Now as an affiliate you’re going to also get a unique toll-free number that you can put on your website and you will earn $50 for every prequalified debt consolidation call. And also earn an extra $10 for calls that go over 30 minutes.
And if someone is calling for tax relief your commission is $60 per qualified tax debt consultation call and you’ll get an extra $20 for every call over 30 minutes.
Their affiliate program is managed through Share A Sale. They do have banners and such that you can use on your website for your marketing. And all of your commissions will be paid to you monthly.
Commission Rate: $30.00 per lead for debt relief
Tracking Cookie Duration:
Commission Payment: Monthly
Application Process: In House
Creatives: Yes
You can join the Cura Debt affiliate program here
3) Guardian Debt Relief
Guardian Debt Relief is a debt negotiation company. This means they will negotiate with your creditors on your behalf to settle your unsecured debt in less time and for less money.
The unsecured debt they focus on includes credit card, medical, utility, and student loan debt.
Their service all starts with potential clients completing a free financial analysis either through their online form or by calling.
This allows Guardian Debt Relief to check the client’s financial situation and credit history to see if they are eligible for their program.
And part of the qualification process is they can only help people that have more than $7,500 in unsecured debt. And the reason being is this gives them more leverage when it comes to settling a client’s debt.
As for the affiliate program, it can be very lucrative for you. They will pay you $32.00 for every qualified lead that comes through their online form. And $45.00 for every lead that results in a phone consultation.
But it gets even better if your lead becomes a client you will pocket $325.00. If you do the math you only need 8 clients to earn $2600 per month. For many people, that can be job replacement income.
Their affiliate program is managed through Share A Sale. You have a recently long tracking cookie of 45 days. You will be paid your commissions each month. And you have banners and such you can use for your marketing.
Commission Rate: $32.00 up to $325.00
Tracking Cookie Duration: 45 days
Commission Payment: Monthly
Application Process: Share A Sale
Creatives: Yes
You can join the Guardian Debt Relief affiliate program here
4) Debt Consolidation Care
Debt Consolidation Care helps those who are having trouble paying off credit cards, personal loans, student loans, and medical debt.
And they do this through debt consolidation. And through consolidation, a client will now have a lower single monthly payment instead of having to pay multiple payments per month to multiple lenders.
They can also reduce collection calls, get late fees waived, and save on interest rates.
To get the ball rolling all a person needs to do is fill out their online form or call for a free consultation. And unlike many other companies in this niche, there is no minimum amount of debt a client needs to have to apply for their services.
Their affiliate program has two commission models – Contactable Leads Model & Per Sale Model.
With the leads model, you can earn a $20.00 commission for each contactable lead and a $60 signing bonus for leads that owe less than $10,000 in debt.
For leads that owe over $10,000, your commissions are $35.00 and $120.00 respectively.
With the sales model your commission range from $120.00 up to $750.00. Of course, these commissions are dependent on what a client owes.
And if that wasn’t enough you can even earn an additional 10% trailing fee which is a recurring monthly bonus.
Here’s a complete breakdown of all of the commissions you can earn through their affiliate program.
Their affiliate program is managed in-house. They provide a 30-day tracking cookie. And payments are done through wire transfer.
I have to say this is the best-paying affiliate program out of this list of affiliate programs.
Commission Rate: $20.00 up to $750.00, plus 10% trailing fee.
Tracking Cookie Duration: 30 days
Commission Payment: Wire Transfer
Application Process: In house
Creatives: Yes
You can join the Debt Consolidation Care affiliate program here
5) Happy Money
It’s called Happy Money now but before that, they were called The Payoff Loan.
And happy money is here to help people that want to pay off their credit card debt. So, they will provide people with personal loans between $5000 and $40,000 with rates starting at 5.99% APR.
And by using their service people now have just one monthly payment to pay off all their credit card debt while at the same time saving a lot of money because of the low-interest rates.
And your potential customers for their program can head to their website and check their rate without impacting their credit score.
And since their inception working with their lending partners, they have funded over $3.7 billion in personal loans.
Forbes even did a write-up about them saying that they provide the best personal loans of 2021.
As for the affiliate program it’s managed through Commission Junction. They have a very generous commission rate of $150 per funded loan.
They have a nice long cookie duration of 45 days. And all your commissions will be paid to you monthly.
Commission Rate: $150.00 per funded loan
Tracking Cookie Duration: 45 days
Commission Payment: Monthly
Application Process: Commission Junction
Creatives: Not mentioned
You can join the Happy Money affiliate program here
6) Experian
If you have any type of financial blog you definitely want to have Experian as part of your affiliate portfolio.
The reason being is Experian is one of the most well-known providers of consumer credit reports, credit scores, credit monitoring, and identity theft protection.
And all of the tools and resources that they offer are designed to help people become more experienced with their finances.
Now when it comes to their affiliate program the one thing that sucks about this program is the tracking cookie duration. It’s only for 10 days.
And because your tracking cookie window is so short you’ll want to be sending targeted prequalified traffic to this offer to maximize your conversions.
Their affiliate program is managed through Commission Junction and the commission rates range from $6.00 up to $30.00.
And your affiliate commissions will be paid to you monthly.
Commission Rate: $6.00 up to $30.00
Tracking Cookie Duration: 10 days
Commission Payment: Monthly
Application Process: Commission Junction
Creatives: Not mentioned
You can join the Experian affiliate program here
Wrapping It Up
So this brings us to the end of my list of 6 great debt settlement affiliate programs.
And you’ve probably noticed it’s not a long list. And there are a few reasons for that.
First when doing my research regarding these affiliate programs I came across programs that just looked shady.
And I’m not that surprised because there are a lot of less-than-desirable companies in this financial niche offering affiliate programs.
So keep that in mind when doing your own research when it comes to any affiliate program, not just these ones.
The list is short because I also came across a lot of other blogs that were simply copies of every other blog talking about debt settlement affiliate programs.
And not only that some of the programs these other blogs listed aren’t even available anymore or the company itself has gone out of business.
And because of those reasons, I did not just slap together the first 10 affiliate programs that popped up on Google.
This is a list of programs that I would have no hesitation in joining.
Now would you like to learn how you can make the most of what’s being offered by these affiliate programs?
Then you should take a look at the free training offered by Wealthy Affiliate.
You’ll find a complete step-by-step blueprint for starting, building, and growing a thriving affiliate marketing website around this or any other interest, passion, or hobby you have.
I believe in you!
Leo
Hey it’s Leo. I’m the founder of Netwise Profits, and I’ve been making a full-time online income as an affiliate marketer since 2005. And as of 2012, I’ve been personally helping people turn their hobbies, passions, and interests into online incomes through affiliate marketing. And I can help you too.