Loan lead partner programs

Verified affiliate, lead-buyer, and broker partner paths for selling or referring loan traffic. Split into Group A (third-party leads OK, no lending license on the partner page) and Group B (NMLS, state broker, ISO, or FI tracks), plus a short Philippines section.

- Group A

- Group B

- PH rows

Research: 6 Nov 2026 Asia/Manila

Top picks for a PH-based lead-gen company

Prefer Group A networks that already pay offshore publishers. Keep payday/installment off until counsel clears TCPA and state rules. Treat US mortgage brokerage as Group B unless you hold NMLS and state licenses.

1. Network shells

CJ + Impact + FlexOffers/Awin. Apply once, then request Upstart, Credible-class, Bankrate/LendingTree, QuinStreet, and debt-relief offers. Best fit for PH SEO/content traffic into US funnels.

2. Lead rails

PingAlpha personal-loan direct-post and LeadPoint sellers. Real lead-buyer rails with written TCPA/consent expectations. Good if you already generate US form leads.

3. Business CPL / rev-share

Cardiff ($200 CPL) and Simply Approved (20% funded rev-share). Business-loan paths that do not require a US lending license on the affiliate track. Still need clean US SMB traffic and brand compliance.

Avoid CashNetUSA / Zero Parallel payday inventory and any SMS-sourced loan leads until US counsel reviews. OnDeck explicitly requires a U.S.-based location for its listed partner track.

How to use this list

Group A = third-party publishers / affiliates / lead sellers with no US lending license required on the partner page. Group B = NMLS, state mortgage broker, ISO, or FI-only tracks. Filter and search below. Open the apply URL before submitting. Payouts marked Unknown were not stated on an opened page.

Programs

Loan type Search

Name	Group	Loan types	Partner type	Apply	Requirements	Payout	PH / non-US	Source

Philippines loan affiliate / referral programs

Smaller local set. Most PH bank/app programs are consumer referral or Involve Asia offers, not US-style ping-post lead desks.

Name	Loan types	Partner type	Apply / join	Notes	Payout	Source

Publisher signup help: Involve Asia help centre

Compliance notes

TCPA / telemarketing consent: The FCC short-lived one-to-one lead-generator consent rule was vacated; the FCC later restored the prior express written consent definition (Federal Register notice 29 Aug 2025). Sellers still need documented prior express written consent for marketing calls/texts and durable consent records. govinfo.gov notice
Mortgage licensing: Arranging residential mortgage loans or taking mortgage applications for compensation can require state mortgage broker licensing and NMLS registration. NMLS Resource Center
CFPB oversight: Lead generators and lenders remain subject to federal consumer financial laws (UDAP/UDAAP, FCRA where applicable). CFPB final rules
Payday / installment lead gen: Elevated enforcement history (FTC lead-gen guidance; CFPB actions involving online lenders and affiliates). CashNetUSA own partner page requires insurance and audits. Treat as high risk for a PH publisher. FTC guidance
PH operators selling US leads: Confirm tax forms (W-8BEN), payment rails, state-by-state marketing bans, and whether your traffic sources (SEO, paid, email, SMS) are allowed in each offer IO. Do not invent consent or scrub logs.

Closed, redirected, or unverified apply URLs

URL / brand	Status found	Action

Method: official partner pages opened via fetch/curl where possible; payouts only listed when the opened page stated them. Third-party directory payouts are labeled unverified.