Finance Vertical Essentials

Published: 13.05.2025

Finance affiliate marketing is one of the top areas of arbitration. Here, literally, money is made on money. However, despite the high profits, webmasters face strict traffic requirements, difficulties with the choice of a source, and other pitfalls.

Today we offer you to understand what the finance vertical is, what niches it consists of, and what features you need to know when planning to become a top arbitrager.

Niches and Categories in Finance

Finance combines offers of companies and institutions for which cash is not only a profit indicator but also a tool for earning money. They can be conditionally divided into two categories, but the difference between them is fundamental:

1. Banking, brokerage, investment structures, insurance companies, pension funds, etc.
2. MFIs (macrofinancial organizations).

The first are reputable institutions whose activities are carried out in the legal field and whose reputation must be impeccable.

The latter are private lending companies whose sole purpose is to make quick money. Accordingly, their offers, promotion conditions, and remuneration of webmasters differ in color.

So, let's take a closer look at them.

Banking, Brokerage, Investment Structures & Insurance Companies

In fact, this includes all financial organizations whose activities are legal. In this category of offers, wealth management and banking offers are promoted. Institutions and structures that are customers adhere to transaction security systems and take care of their own rating, as this directly affects the level of customer confidence. For example, to apply for a loan, customers need to provide detailed information about their solvency and wait up to two weeks for approval.

The optimal target audience for banking offers is users from TIER 1 and TIER 2 countries. The age audience is segmented depending on the chosen niche, but ideally is 25-40 years old. Offers in this category are white, so it is easy to join banking, investment or insurance affiliate programs even for the beginners.

The category is conditionally divided into niches.

Credit and bank cards

Usually, credit card affiliate marketing does not bring high interest rates, but the high conversion rate is ensured by the reputation of the institution and can be up to 30% with an average of 5-15%.

The target audience ranges from students to pensioners, depending on the GEO of the offer.

Business Loans

This is a rather complicated niche, but the payouts are huge. The target audience for business loan leads differs not by age but by purpose:

– loans for farmers;

– small and medium-sized businesses;

– startups in the IT sector;

– manufacturing;

– construction, etc.

Electronic Wallets & Payment Systems

Today, there are a large number of different services for receiving payments with the possibility of issuing a dollar card, online payment systems, and electronic wallets. It is possible to find a relevant tool for almost any country. By the way, the services themselves provide information on GEO and targeting settings.

Insurance Companies & Pension Funds

In particular, insurance companies offer up to 30% per client. The service is popular in regions with a developed market for such services. These are TIER 1 and TIER 2 countries. The core of the target audience is young people who actively use the Internet, with separate groups distinguished by the type of insurance:

– car owners,

– tourists,

– entrepreneurs, etc.

Aggregator Websites

Platforms and services that offer various financial services such as loans, bank cards, insurance, etc. They are widespread in almost all GEOs and are actively developing in TIER 3. They are easy to promote, and contextual advertising and thematic blogs are best suited. The target audience is chosen depending on the tools of a particular service.

Despite the high conversion rate, payouts are low.

Forex, Binary Options & Cryptocurrency Exchanges

This niche is suitable for experienced arbitrageurs, many of whom use it as their main source of income, as advertisers offer large payouts for attracted clients. Some brokers are ready to pay more than $100 for each client and a lifetime commission.

The target audience of Forex offers, as well as payouts, depends on the specific offer, but 

cryptocurrency trading affiliate, for example, might have one the biggest income.

Passive Income Platforms

This refers to various platforms and funds that attract investments:

– insurance companies,

– startups,

– cloud mining,

– services that provide loans.

The niche is complex, with a low level of competition and low conversion. It is difficult to find an audience, and the lead generation chain is long. The main problem is that there is a lot of fraud among customers. There are enough examples when a company collects money and disappears from the radar, abandoning both customers and the arbitrator. Therefore, it is worth choosing an offer carefully and collecting information beforehand – it is always easier to promote a reliable product.

Microfinance Organizations (MFOs)

Private companies lend on their own terms, so they are less susceptible to reputational damage. They offer short-term loans, charge frankly extortionate interest rates (up to 2% per day) for their services, but do not require users to go through all the circles of bureaucracy and do not look at each credit history through a microscope.

Here, you are likely to get a loan approval within 15 minutes, even without providing information about your official income.

As a rule, the services of MFIs are used by the poorest segments of the population – students, pensioners, and those who lack funds until their salary or urgently need a certain amount of money. As a rule, they are prevented from applying to a bank by a poor credit history or low income.

Financial offers in MFO affiliate programs are usually promoted in GEOs from TIER 2 and TIER 3 countries. The age of the target audience is hardly taken into account, and the offers are played with all shades of gray.

Financial Offers: Types & Features

It is interesting that unlike other verticals, such as gambling, advertisers and arbitrageurs do not try to save on PPP interest and work directly. Both parties prefer the mediation of affiliate networks that guarantee the quality of traffic to customers and fair payments to contractors.

Among the variety of financial offers, the following types of offers can be distinguished:

– credit cards;

– debit cards;

– business loans — loans taken out by entrepreneurs who are starting or optimizing their own business;

– cash and settlement services — this refers to the provision of services related to servicing individuals and legal entities. This includes opening current accounts, making transfers, currency conversion, etc;

– refinancing — granting a loan to repay a previous debt;

– MFIs or microloans — provision of short-term loans;

– lead generator — obtaining contacts of a potential client;

– provision of legal services;

– sale of a franchise;

– brokerage services — assistance of an intermediary in concluding a transaction;

– investments;

– consumer loans — loans for the purchase of consumer goods;

– binary options — a tool for making money on forecasts of price fluctuations of market assets;

– investments;

– mortgage — a loan secured by housing;

– cryptocurrencies;

– insurance.

Payment systems commonly used in the vertical:

• RevShare — a percentage of the profit received from the attracted client (can be lifetime or within a specified amount). This format is typical for forex brokers, investment funds, and crypto exchanges.
• CPL (Cost Per Lead) — payment for a lead, which may include filling out a registration form with personal data (phone number, full name, passport details, etc.), applying for a loan;
• CPS (Coast Per Sale) — payment for the sale: a loan (not an application), insurance, a credit card, and a deposit with a broker. This is the most common format of cooperation in the vertical.

Traffic Sources & Strategies for Finance

Among the well-known and familiar sources, some specific ones are used here, for example, “showcases”. Here are some examples of most popular sources for working with financial CPA networks.

Contextual advertising: the most popular networks are Google Ads, Bing Ads, Yahoo Gemini.

This source provides an already warmed-up audience, but the price of traffic is much higher. You should also take into account the limitations of the services. For example, Google does not allow promoting binary options, and you will face difficulties with advertising microloans and consumer loans at high rates. Some affiliate programs also impose restrictions.

Showcase websites are very popular because users can see several similar offers and choose the most attractive one. Webmasters can promote several products at the same time with the help of a showcase. You can create a showcase yourself using affiliate templates or a platform builder.

Social networks. It is impossible to overestimate their importance. Here, promotion takes place through thematic groups and publics of companies, as well as targeted advertising.

Email newsletters: you need to have a base of customers who may be interested in the offer, so you should use this tool as a supplement to your storefront, social media, or landing page.

SEO — organic traffic requires at least 2-3 months of preparation and promotion of your own resource. However, the conversion rate will be stable and high, even if you do not engage in optimization for some time. It is easier and faster to get SEO traffic through thematic or entertainment portals.

Brokerage traffic is a specific source that is actively used to promote banks, MFIs, and forex brokers. Landing pages, showcases, or blogs collect contact information and transfer it via API or in the feed of an affiliate program.

Applications for MFIs: usually use a browser extension, an add-on with embedded advertising on the target website. Such ads appear in the form of PUSH notifications and do not require moderation.

Teasers: traffic is cheap, used for forex and microloans, as shocking headlines are bad company for solid products.

Challenges in Financial Offers

On the way to success and high income, webmasters need to be prepared for:

1) competition: it is not customary to share approaches, bids for high-frequency queries are high, and advertising networks closely monitor any attempts to circumvent bans;

2) poor call-center performance: it is necessary to monitor the quality of traffic processing, otherwise the efforts made in the field of PPC will be in vain;

3) prohibitions on sources: the offer must be studied in detail and consulted with the PP manager;

4) monitoring and control: it is important to take into account not only the interests and reactions of the audience, updates of search engines and advertising networks, but also to keep track of changes in legislation.

Conclusion

Finance is an attractive niche for arbitrage traders, and there is room for a pro to grow and a beginner to improve his skills. Entry into the vertical is considered to be of medium complexity, and earnings can reach impressive amounts. Financial institutions are constantly looking for new clients, despite crises and seasonality, which is why this vertical is one of the most stable in arbitrage.

Last edit: 13.05.2025