Ratka

The revenue-share version of Ratka: 4.5% per sale on Polish instalment-loan traffic, for publishers who send larger loans.

Ratka.pl is one of the longer-running Polish instalment-loan brands, advertising loans of up to 150,000 PLN with repayment over up to 120 months. The site is operated by Loando Direct, a consumer-credit intermediary entered in the KNF register of credit intermediaries, so Ratka passes each application to cooperating lenders and banks rather than lending itself. The service is free for borrowers, the lender alone decides on approval and on the APR/RRSO, and filing an application does not guarantee a loan. Ratka shows its ratings on Polish comparison sites such as Pożyczkaportal, loando.pl and ofin.pl, together with the Firma Wiarygodna Finansowo and KPF badges.

On Profit Ninja, Ratka under ID 367 pays 4.5% per sale on a CPS model, Poland only; your account manager explains what the percentage is calculated on. A percentage payout rewards traffic that brings larger loans, so content about consolidation, renovation financing or long-term instalment loans tends to earn more than urgent small-amount searches. The offer is tagged Non Incentive, so rewarded and cashback traffic is not allowed. Profit Ninja also lists Ratka on a fixed CPA (ID 865) for publishers who prefer a flat amount. Earnings are paid in about 48 hours.