Referral program

Refer a friend. You both get $25.

Love the way Xcash treats you? Share it. When a friend takes their first loan on your referral and pays it back, we put $25 in your pocket and $25 in theirs. Refer more, earn more, up to $50 per friend.

Refer a Friend How It Works

$25 For you

$25 For your friend

Up to $50 Per referral

There's no limit

Refer one friend or fifty. The more friends you send our way, the more you earn on every single one, all the way up to $50 each.

Both rewards are paid once your friend repays their first Xcash loan.

Simple as 1-2-3

How the referral program works

Send us your friend

Fill out the quick form below with your details and your friend's, or just tell them to mention your name when they apply.

They get a loan

Your friend applies and gets approved for their first Xcash loan, whether it's payday, personal, home equity, car title or gold.

You both get paid

Once they repay that first loan, we send $25 to you and $25 to them. Keep referring and your reward per friend keeps climbing.

The more you share, the more you earn

Your reward grows with every friend

Everyone starts at $25 per friend, but our top referrers earn double. Here's how your reward per successful referral increases as you send more friends our way.

Rewards are counted over the life of your membership. Your friend always receives their $25 welcome reward on their first repaid loan.

Friends referred	You earn (each)
1 to 5	$25
6 to 15	$30
16 to 25	$35
26 to 35	$40
36 to 45	$45
46 or more	$50

Start earning

Refer a friend

Takes about a minute. We'll reach out to your friend and, once their first loan is repaid, we'll be in touch to send both rewards.

Good to know

Who can refer and qualify

Your friend must be new to Xcash. Referrals are for people who haven't borrowed from us before.
Rewards pay after the first loan is repaid. Both $25 rewards are issued once your friend repays their first Xcash loan in full.

Your account must be in good standing. To earn, you shouldn't have a loan in collections or arrears.
No limit on friends. Refer as many people as you like, your reward per friend only goes up.

Referral FAQ

Common questions

When do I get my reward? +

Both your $25 and your friend's $25 are issued after your friend takes out their first Xcash loan and repays it in full. We'll contact you both to arrange payment.

How much can I earn in total? +

There's no cap on how many friends you can refer. You start at $25 per friend, and once you've referred six or more, your reward per referral rises, all the way to $50 each for 46+ referrals.

Does my friend need good credit? +

They just need to qualify for one of our loans like any new customer. With payday, car title and gold options, we can help many people the banks turn away.

Do I have to be a customer to refer someone? +

Referrals work best if you're an Xcash customer in good standing, since that's how we know where to send your reward. Not a customer yet? Apply here and start referring too.