### Overview of Smartli Affiliate Program

Smartli is an innovative fintech platform specializing in transparent, secure, and efficient lending solutions. Their affiliate program is designed to reward marketers who refer new customers to their lending services by offering competitive commissions and a user-friendly promotional environment. By partnering directly with Smartli, affiliates gain access to up-to-date marketing materials and dedicated support for maximizing conversions.

### Commission Structure

• Commission Rates: Smartli offers tiered commission rates based on the number and quality of referred customers. Affiliates earn a percentage of the loan origination fees charged to their referrals. The base commission typically starts at 25% of the fees generated by the referred customer’s loan. This percentage may increase with volume and performance incentives offered by Smartli periodically.
• Recurring Commissions: The commission is paid once per completed loan application. Since the loans are generally one-off or short-term, there is no recurring monthly commission tied directly to a subscription but occasional promotions may grant bonuses for repeat referrals.
• Sub-Affiliate Program: Smartli does not currently offer a sub-affiliate (tier 2) commission structure; commissions are earned directly from referrals made by the affiliate only.
• Cookie Duration: The tracking cookie is valid for 30 days. Any referred customer who completes a loan application within this period is attributed to the affiliate.
• Affiliate Network Management: The Smartli affiliate program is managed internally through their proprietary affiliate dashboard. Unlike some competitors, Smartli does not use third-party affiliate networks such as CJ Affiliate or ShareASale, allowing for more direct communication and control.

### Smartli Promotion Policy

• ✅ Allowed Promotional Channels: Affiliates can promote Smartli through a variety of channels including SEO content marketing, email marketing (to opted-in subscribers), social media platforms (Facebook, Twitter, LinkedIn, Instagram), blogs, and paid advertising campaigns (Google Ads, Facebook Ads) following Smartli’s guidelines.
• ❌ Prohibited Marketing Methods: The use of unsolicited spam emails, unsolicited SMS or phone marketing, incentivized traffic (e.g., paid-to-click or reward-based sites), misleading ads, and trademark bidding on Smartli’s brand keywords in paid search campaigns are strictly prohibited. Also, affiliates are forbidden from promoting on adult websites or platforms that violate Smartli’s ethical standards.

### Commission Payment

• Approval Period: Commissions undergo a verification and fraud review period of 30 days before the commission is approved and finalized.
• Minimum Payout Threshold: Affiliates must accumulate a minimum balance of $50 in commissions before payment is processed.
• Payment Frequency: Payments are issued monthly, typically on the 15th of each month for commissions earned and approved in the previous month.
• Payment Methods: Smartli pays commissions primarily through PayPal. Other payment methods such as bank wire transfers may be available upon request, especially for international affiliates, although PayPal remains the preferred and most widely used option.

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In summary, the Smartli Affiliate Program provides a straightforward and lucrative opportunity for marketers targeting borrowers seeking fast, transparent loan options. With a competitive 25% commission rate on loan origination fees, a clean and direct internal affiliate platform, and clear promotion guidelines, affiliates can promote confidently knowing the terms are transparent and support is directly available. The 30-day cookie and monthly payouts offer a balanced timeframe to maximize earnings while maintaining performance quality.