7 Best Debt Settlement Affiliate Programs For Financial Bloggers

Written by OpportunitySage.com
October 25, 2023

Anyone who has ever been in debt (and who hasn’t?) knows how stressful it can be. It harms our quality of life and ability to achieve financial freedom.

Fortunately, there are a variety of products and services available to assist with debt repayment.

Debt settlement affiliate programs are a fantastic route to consider if you run a site focused on debt relief, debt management, or financial savvy.

However, not all of these applications are created equal and sifting through them all to discover the best ones might take some time.

That’s why I researched and put together a list of the finest debt settlement affiliate programs for you.

These programs offer larger profits per click as well as a generous commission. In addition, they assist influencers in establishing their credibility by recommending debt consolidation or debt counseling services that are beneficial to their readers.

debt settlement affiliate programs

Best Debt Settlement Affiliate Programs

1. American Debt Enders

2. Upstart

3. Guardian Debt Relief

4. National Debt Relief

5. CuraDebt

6. Lending Tree

7. Experian

1. American Debt Enders

American Debt Enders is a well-known debt settlement affiliate programs with a thriving clientele and 12 years of credit counseling experience.

American Debt Enders is a powerful member of NET CHECK and a one-stop-shop for debt settlement affiliate programs and relief. The best aspect is that this company is active in 46 states across the United States.

It has a great reputation and has never been accused of business wrongdoing. A company like this would be a great addition to an affiliate marketer’s portfolio.

The firm provides free credit counseling sessions and a debt dispute program that is less expensive than debt settlement. All qualified leads must have a debt of at least $7500.

What is it about this one that appeals to me?

  • Lucrative – They have very attractive debt settlement affiliate programs, with a $20 commission for every lead and a $125 commission for every sale.
  • Cookie – Even better, the cookie duration never expires, giving active affiliates the perfect opportunity to build passive riches.
  • Reputation – They have a wonderful reputation, which makes it simple to advertise them.

Affiliates will be provided with marketing materials such as text links, banner advertising, and reporting and tracking tools.

You must apply through ShareASale to be considered for the debt settlement affiliate programs.

  • Cookie Duration: Never expires
  • Commission Rate: $25 per lead/$125 per sale

2. Upstart

Former Google employees founded Upstart to devise more effective ways to judge the worthiness of loan applications than FICO scores.

Upstart used artificial intelligence (AI) and machine learning algorithms to assess loan applications and risk gearing capacities. It can also be used to combine debts for loans under $50,000.

This AI-powered technology allows the loan to be accepted in minutes and funds transferred the next business day.

This is an excellent choice because…

  • Commissions – Affiliates can receive an $80 commission for each loan that is successfully funded. Affiliates that successfully suggest 25 or more candidates for successfully funded loans can earn up to $120 for each reference.
  • Cookie — A cookie has a 45-day tracking duration.
  • High-Tech Company – In recent years, Upstart has established itself as a tech-savvy solution for paying off student loans and credit cards.

Although the commission rate appears lower than most of the other debt settlement affiliate programs described in this post, affiliates with high traffic and popularity can always ask for higher commissions.

Affiliates can apply through Commission Junction or FlexOffers for this program.

  • Cookie Duration: 45 days
  • Commission Rate: $80-$120 per sale

3. Guardian Debt Relief

Guardian Debt Relief, one of the major debt settlement and negotiating service providers, provides a dynamic solution for debtors, both individuals and investors.

They assist borrowers by negotiating with creditors on their behalf and compressing the total debt into a fraction of the original amount.

Guardian Debt Relief is extremely popular because it does not require any upfront fees and instead requires clients to make a predetermined monthly payment to discharge their debt.

They mostly deal with credit card debt, but they also help with private student loan debt, utility debt, and medical debt of at least $7,500 dollars.

Lucrative – This is another lucrative debt settlement affiliate network that pays active and clever affiliates $32 for each eligible lead received on their web form. Furthermore, affiliates can earn $45 for each lead that results in a phone consultation. That’s not all, though. When their referrals join Guardian Debt Relief, affiliates can earn up to $325.

EPC – The earning per click (EPC) is $270.55, which is rather impressive.

Cookie — The cookie monitoring term is 45 days, which gives you plenty of time to produce high-quality leads.

  • Cookie Duration: 45 days
  • Commission Rate: $32 per lead/$45 per consultation/$325 per sale

4. National Debt Relief

This debt settlement affiliate program, which is run by one of the most trusted and largest debt settlement firms in the United States, is another wonderful choice if you want to monetize your website and blog.

With their successful debt settlement strategies, our organization is dedicated to assisting its clients in achieving financial security and independence.

National Debt Relief would be a significant addition to a financial expert or marketer’s portfolio as one of the largest and most influential debt settlement companies authorized by the IAPDA and AFCC.

This debt settlement affiliate program appeals to me because…

  • Commissions – The company’s commissions are quite appealing. For every qualified lead, $41 for each phone consultation, and $300 for each transaction, affiliates can earn $27.50.
  • Cookie – National Debt Relief offers a 60-day cookie tracking duration that is configurable.
  • Lots of Support – They give affiliates extremely immersive marketing materials such as banners, text links, analysis tools, and a lot of support. ShareASale manages this debt relief affiliate program, and the company also provides continuing training sessions and a plethora of materials to help increase lead conversions.
  • Earnings on two levels — Affiliates can increase their earnings by introducing this program to other affiliate marketers. They can take home 12% of the commissions paid to their referrals each month.

It wouldn’t take more than 8-10 recommendations to earn a substantial amount of money and allow you to leave your day job for something more fulfilling.

  • Cookie Duration: 60 days
  • Commission Rate: $27.50 per lead/$41 per consultation/$300 per sale

5. CuraDebt

CuraDebt has been providing debt relief since 2000 and is a well-known name in the debt settlement and negotiating industry. Its services cover many obligations, including personal loans, credit cards, and back taxes owed to the IRS. But, unfortunately, it doesn’t help people with car loans, mortgages, or school loans.

CuraDebt has a prestigious reputation in the industry. Despite its unsightly appearance, the company’s website is overflowing with good feedback from delighted consumers.

It may not be as difficult to market such a reputable brand to folks in financial distress as it is for most other debt settlement firms.

This one appeals to me for the following reasons:

  • Commissions – Affiliates can earn $25 for each eligible lead, and clients who sign up with CuraDebt can earn a whopping $500 commission. However, Affiliates must give the organization a large number of referrals to reach the $500 rate.
  • Cookie – This debt settlement affiliate program comes with a “never expires” cookie, so the earning potential is substantially bigger. This makes it easier to convert as many leads as possible and increase your revenue.
  • EPC – This is one of the most profitable debt relief affiliate programs, with an EPC of $198.67 to help you carve out the life of your dreams!

CuraDebt can assist you in maximizing your earning potential and achieving financial security if your website receives a lot of traffic from financially troubled users.

  • Cookie Duration: Never expires
  • Commission Rate: $25 per lead/Up to $500 per sale

6. Lending Tree

Lending Tree provides various financial services, such as vehicle loans, school loans, personal loans, and even dentistry loans. With their well-respected debt consolidation service, they also assist debt-stricken families and investors.

Their debt management aid relieves financial stress by allowing customers to improve their FICO ratings and save money for rainy days through a flexible payment plan.

This is an excellent one as well because..

  • Well-Known – This debt consolidation affiliate program offers a good opportunity for an affiliate to work with a well-known and prominent company. Affiliates would not have to devote as much time and effort to pre-selling, making marketing such a brand easier and more engaging.
  • Commissions – Depending on the quality and qualifications of the traffic provided to their website, affiliates can earn anywhere from $1 to $70 each lead.
  • EPC – Lending Tree also has a higher EPC of $336.67.

I don’t care for the 14-day cookie, but I guess you can’t have it all. Commission Junction is where applicants can sign up for this affiliate scheme.

  • Cookie Duration: 14 days
  • Commission Rate: Up to $70 per lead

7. Experian

Experian can help you provide more value to your readers while also increasing your earning potential if you run a blog about financial management or debt relief.

It’s a program that helps people who are having financial difficulties keep track of their payments and improve their credit scores.

This one appeals to me because…

  • Commissions – Affiliates can earn up to $100 each sale in commissions.
  • EPC — Experian offers a three-month earning per click of $221.97, which is a good deal for most newbies.
  • Well-known — This is yet another well-known firm that would be simple to promote.

This one, though, is another dreadful biscuit.

  • Cookie Duration: 10 days
  • Commission Rate: Up to $100 per sale


I hope that this article aids you in navigating the debt settlement affiliate programs so that you may discover the proper program for your blog.

Remember that the amount of traffic to your website, as well as the number of qualified leads and referrals you can generate, will decide your value to any brand with each opportunity.

As a result, it’s critical to concentrate your efforts on increasing site traffic with immersive marketing methods and good SEO.

Discover the secrets of affiliate marketing. You’ve come to the right place if you’re looking for high-ticket affiliate programs. At OpportunitySage, we’re glad to assist you in learning more about affiliate marketing opportunities. So, what are you waiting for? Contact us right away to get started!

7 Best Debt Settlement Affiliate Programs For Financial Bloggers







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