Loan 112 Affiliate Program

Why Promote This Offer

The Loan 112 affiliate program pays a CPA of $0.3 for every loan application successfully disbursed through its LMS in India. Built for high-volume acquisition, this program suits publishers with broad Indian personal finance traffic who can generate consistent disbursal-linked conversions at scale.

1. A $0.3 CPA on LMS loan disbursal is a volume-optimised payout suited to publishers with high-traffic personal finance inventory in India, where consistent small loan disbursal velocity drives strong aggregate earnings over time.
2. Loan 112's fully digital Aadhaar and PAN-based KYC removes the branch visit barrier, making it accessible to borrowers across India's Tier 2 and Tier 3 cities where regulated instant lending options are still limited.
3. India's large and persistent personal credit gap — particularly among salaried individuals and self-employed workers outside prime bank eligibility — creates a consistent, year-round disbursal opportunity for publishers in the fintech vertical.
4. The LMS disbursal trigger ensures commissions are paid only on fully verified, processed loans rather than on registrations or partial applications, providing clean attribution and strong lead quality alignment.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian personal finance blogs and loan aggregator platforms, EMI calculator and eligibility tool sites, YouTube channels covering digital loans in Hindi and regional languages, and media buyers running high-volume push or display campaigns geo-targeted to India with personal loan or emergency credit intent.

Audience Match

Converts best with Indian adults aged 22 to 45 in salaried or self-employed roles across Tier 1, 2, and 3 cities who need fast access to small personal credit and prefer a fully digital, no-branch application process.

Traffic Rules

Allowed

• Organic Indian personal finance and instant loan comparison content
• EMI calculator, loan eligibility, and credit check tool placements
• Email marketing to opted-in Indian finance audiences
• Display and DSP campaigns geo-targeted to India with loan or credit intent
• Push notifications targeting Indian adults in a financial decision-making context
• Native advertising on Indian finance and lifestyle platforms

Not Allowed

• Incentivized or reward-based referrals
• Fraudulent or duplicate loan applications
• Brand keyword bidding on Loan 112 paid search terms
• Traffic from outside India
• Content targeting users under 21 or encouraging over-indebtedness
• Pop-up or pop-under traffic

Compliance Note

All promotions must comply with RBI digital lending guidelines and ASCI advertising standards. Do not make guaranteed approval claims or misrepresent loan interest rates or eligibility criteria in any creative.

Tracking Flow

1. Publisher places their S2S Postback tracking link in Indian personal finance or loan content.
2. User clicks and is directed to the Loan 112 app.
3. User downloads, installs, and completes digital KYC with Aadhaar and PAN.
4. User submits a loan application through the app.
5. Loan is approved and disbursed to the user's bank account via the LMS.
6. S2S Postback fires the disbursal conversion event to the affiliate network.
7. After the 30-day validation window, $0.3 is credited per disbursed loan.

Tracking Window: 30 days  |  Attribution: Last-click  |  Tracking Method: S2S Postback  |  Deduplication: One CPA per unique new Indian user with a disbursed loan

Promotional Tips

• High-volume push notification campaigns targeting Indian adults with financial intent are one of the most efficient traffic sources for this disbursal-based CPA model, given the low friction of the digital application flow.
• Emergency expense and salary-gap content targeting Tier 2 and Tier 3 city audiences drives strong disbursal volumes — frame Loan 112 as the fast, regulated option for borrowers who need credit quickly without visiting a branch.
• Festival season — Diwali, Eid, and year-end — is the peak personal loan demand window in India; scaling push and display volume during these periods delivers above-average disbursal conversion rates.
• Loan comparison articles in Hindi and regional languages targeting non-metro audiences convert well for this program, as digital lending awareness in Tier 2 and Tier 3 cities is growing quickly and users respond strongly to local-language content.

Payment Methods

Publishers are paid through multiple flexible methods including Crypto, Wise, PayPal, Wire Transfer, and more. Payouts are processed on a Net-30 cycle once your earnings clear the minimum payout threshold. Contact your account manager if you need to set up or change your preferred payment method.