Referral Program: An Extra Source of Income

Refer our good service and earn cash every time someone joins any of our loan programs using your referral code. There are no limits to how much you can earn- the more you refer, the more you earn!

Financial Education

Earn Cash Every Time Your Refer a Qualified Applicant

Build your Credit History

Unlimited Earnings

There is no limit to how much you can earn by referring our service.

$50 cash + Bonus

$50 cash + Bonus

Earn $50 for each successful referral. We offer performance bonuses to unlock more earning potential.

Fast Approval Process²

Quick Process

Our Referral process is quick and easy to share with friends and colleagues. Share your code in less than a minute.

Referral Program Earning Tiers

There are no limits to the number of employees you can refer. The more your refer, the more you earn.



1 to 5 referrals.
Earn $50 per qualified referral.



6 to 10 referrals
Earn $75 per qualified referral.



11+ referrals
Earn $100 per qualified referral.

3 Easy Steps to Start Earning

Our referral program allows our customers to earn cash by referring our service. Here are the steps to refer:

Referral Program

Sign in

Log in here to access your referral code. Each referral code is personalized (must be a current customer).


Share your code with co-workers in need of emergency loans. They will be asked during the application process to provide your code.

Receive Cash

Approved Applications: We will send you your total referral earrings on a monthly basis (money will be deposited through bank on file).

Referral Code Sharing Tips


Text Message

Send your referral code via SMS to reach your friends quickly.



Follow up with your referrals and provide your personal opinion as a customer.



Reach out to co-workers who you think could benefit from our service.


Social Media

Engage with your social sites and share your code with your followers.



Bring this benefit into work-groups and share your code and experience.



Network with your friends to identify potential referral opportunities.

Terms & Conditions

Referral Program: Earn at least $50 for each successful referral via ACH. We will determine, at our sole discretion, whether a qualifying referral received a funded loan using your referral code. To receive credit: a) your account with us must be current; and b) the customer you refer: (i) must use your referral link or code at the start of registration when requested; (ii) should not have a current or have had a previous Access Loans® loan; and (iii) should make his or her first loan payment on time. Please allow 6-8 weeks for payment processing. Due to the confidential nature of the loan application process, we cannot disclose information on who has applied, nor will you be notified whether we approve or decline any application from the customers you refer. You may not use any robotic, programmed, script, other automated means or source to distribute the referral link. Bulk email distribution and any use of automated devices or third-party services are strictly prohibited. We reserve the right to disqualify you from the referral program, and the right to modify or discontinue the program or change the terms at any time without notice. Referral bonus may be reported to the IRS as income, in the year received, as required by applicable law. Additional Terms and Conditions may apply.

Frequently Asked Questions

A successful referral is someone who applies using your code and gets approved. We will send you on a monthly basis any outstanding earnings based on successful referrals. If you have further questions please read our referral terms on this page or contact our customer service representatives for more information at or 888-287-9483.
You can access your code by accessing you Access Loans account. Sign In using this link: Once you are logged into your account, locate the referral code and share it. If you have issues accessing your code, please contact: or 888-287-9483.
Each we sum up all of the approved referrals and will send you yout total referral commission to your bank account (the same one we have on file). There are no limits to how much you can earn. The more you refer, the higher the chances of making extra cash.

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