Valid in the US only, not available in NY and WY.

Our offer is a Payday loan, a highly popular service in the USA, with approximately 17% of the US population using such services, making the market very large.
98% of our customers are returning customers, and the proportion of unique leads is small.
However, this is an advantage of the offer, as loans are issued to returning customers, and there is no need to focus solely on acquiring new users - the intent (desire of the user to take a loan) is what matters.
All leads are processed, validated, and purchased through the "ping-tree" system in real-time.

Attribution and Cookie Lifetime
The offer operates under the "First cookie wins" attribution model, so it is crucial to tag the user with your cookie as early as possible within a day (especially during peak hours).

Cookie lifetime: 1 day
Most leads are generated and purchased in Florida, Texas, and California, but it's important to test different states.

Please note that the USA is a very large country and has 4 time zones:
EST (Eastern Standard Time)
CST (Central Standard Time)
MST (Mountain Standard Time)
PST (Pacific Standard Time).


The offer has PEAK TIME - 8:00 am - 11:00 each Time zone:
8:00 am - 11:00 EST
8:00 am - 11:00 CST
8:00 am - 11:00 MST
8:00 am - 11:00 PST

During this time, the majority of leads are purchased, resulting in the highest CR (Conversion Rate).

IMPORTANT!
The majority of loans are issued exclusively on weekdays, and on weekends, it's best to stop paid traffic, as only 40% of leads are sold.

Audience:
Employed individuals with a monthly income of $3000+;
Payment frequency - once every two weeks;
Non-military;
Type of income - salary (not benefits or pension);
Length of residency and time with the bank - the longer, the better;
Age 18+, but the audience that converts the best is between 25 and 49 years old.
Payment method - bank account (not check or cash).


Often, people with low or moderate income in the USA use microloans for:
Paying bills;
Renting accommodation;
Home repairs;
Car repairs;
Covering unexpected or emergency household expenses;
Paying off existing debts;
Buying gifts (especially during Christmas and holidays);
Unexpected medical expenses;
Vacations;
Weddings or any other celebrations.

In terms of advertising strategy, everything depends on the type of traffic the partner is using, but our goal should be to show ads to users as early as possible within one day.

We operate on a "first cookie wins" attribution model, and the partner who first brings the user will be paid for the lead. That's why the most effective strategy for launching ads by time is during the morning hours of weekdays, from 8:00 am to 11:00 am across all U.S. time zones (paid traffic should be paused on weekends).

 Throughout the year, the highest demand for microloans is observed in November and December (during sales and Christmas holidays).

It is essential to consider U.S. legislation and not violate the rules of the offer, such as not sending SMS messages before 9:00 am, or misleading users.

For example, it is not allowed to use phrases like:
100% loan approval;
Instant cash;
Guaranteed loan, etc.

LeadBit