Earnest vs SoFi Affiliate Program
Earnest pays a higher commission at $200 per sale vs SoFi's $150 per lead. Both offer a 30 days cookie window. Community affiliates rate Earnest 4.0/5 from 2 reviews and SoFi 5.0/5 from 1 review.
Verdict
Earnest and SoFi are closely matched. Your choice should come down to your audience — check both program pages for payout schedules and terms before applying.
Earnest 4.0 | SoFi 5.0 | |
|---|---|---|
| Category | Finance | Finance |
| Network | cj | impact |
| Commission Type | CPA (per sale) | CPL (per lead) |
| Commission Rate | $200 per saleBetter | $150 per lead |
| Cookie Duration | 30 days | 30 days |
| Community Rating | 4.0 / 5 (2 reviews) | 5.0 / 5 (1 reviews)Better |
| Tags | student-loansrefinancinghigh-ticketeducation-finance | financebankinghigh-ticketpay-per-lead |
Frequently Asked Questions
Which pays more: Earnest or SoFi affiliate program?
Earnest pays a higher commission at $200 per sale compared to SoFi at $150 per lead.
What is the cookie duration for Earnest vs SoFi?
Earnest offers a 30 days cookie window, while SoFi offers 30 days.
Which is better for affiliates: Earnest or SoFi?
Based on community reviews, SoFi is rated higher at 5.0/5 vs Earnest at 4.0.
Is a CPA (per sale) or CPL (per lead) commission better for affiliates?
Earnest uses a CPA (per sale) model while SoFi uses CPL (per lead). The better choice depends on your traffic volume and how quickly your audience makes decisions. Check each program's payout schedule and minimum threshold before applying.
Can you promote both Earnest and SoFi at the same time?
Yes — most affiliate programs allow you to promote competing programs simultaneously, unless their terms explicitly prohibit it. Promoting both lets you test which converts better for your specific audience. A common approach is to feature the higher-commission program as your primary recommendation and include the alternative for readers with different needs.
Earnest: Best for
- High-intent audiences in finance, investing, or B2B where single conversions pay well
- Evergreen content with a 30-day attribution window
- Personal finance blogs, investing education, and money management content
SoFi: Best for
- Finance and lead-gen content where readers are actively evaluating options
- Evergreen content with a 30-day attribution window
- Personal finance blogs, investing education, and money management content
Earnest Affiliate Program
Earnest is a fintech lender specializing in student loan refinancing and private student loans. Affiliates earn $200 per funded refinance referral — one of the highest CPAs in the student loan space. Converts exceptionally well with graduate and professional school audiences.
Read full details →SoFi Affiliate Program
SoFi is a modern personal finance company offering loans, investing, banking, and insurance. Affiliates earn $100–$300 per qualified lead depending on the product. The broad financial product suite creates multiple commission opportunities from one audience.
Read full details →More comparisons
Compare any programs side by side
This page compares Earnest and SoFi. With Affiliate Pro you can compare any combination of up to 4 programs — commissions, cookie windows, ratings, and more — using the full interactive compare tool.