Category: Marketing Ideas


Lending to the Masses: Referral Idea

Small Dollar Lending: Idea for Customer Referrals

To express appreciation for its clients and underscore continued support of their ongoing financial goals, has launched a customer referral program, awarding existing clients an impressive $110 per new customer referral. [NOTE: All-in, it’s common for lenders to spend as much as $180+ to fund a loan!]

Through the customer referral program, existing Bargain PaydayLoans clients are given a unique code that can be shared with friends and family members to access an online loan application. 

Fourteen to twenty-one days after the referral receives their funds, $110 is deposited into the client’s account on file with The funds can be withdrawn as cash or used to pay loan balances down.

“Bargain Payday Loans means business, and our clients know we are always there to help them meet their financial goals. From unexpected medical costs to car accidents or other emergencies, we understand that life is not always a straight line, so we are committed to supporting our customers and the people they care about.”

“Through our groundbreaking customer referral program, we are excited to spread the word about our company’s unique roster of customized lending opportunities and reward our happy, loyal customers for referring their friends and family to us,” said Frank Waters, Vice President of Operations for

About is a tribal lending company wholly owned by Holding Company and its members, a sovereign nation in the United States of America. is dedicated to providing short-term financial solutions to Americans in need. 

Since its formation in 2018, has built a nationwide reputation for spearheading the industry’s most innovative financial products backed by a singular commitment to client service excellence. 

The company combines an unparalleled team of experienced and dedicated financial professionals with state-of-the-art online technologies to meet emergency financial needs successfully. 

In addition to its sought-after portfolio of loan choices, offers comprehensive customer loyalty and financial education programs expressly designed to help solve money challenges in the short term and improve clients’ lives in the long term. 


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Lifesaver Credit Solutions for the Subprime

How to start a consumer loan business

lending to the Masses

Let’s set sail on a voyage with our ship named “Lifesaver Credit Solutions.”

We navigate the unpredictable seas of the finance world, charting a course through the vast ocean of potential subprime customers.

With innovative marketing tactics, we can reach our desired destination: scaling loan originations, minimizing FTPDs, and achieving a superior ROI.

Initially, we must understand the sea we are sailing in and the nature of the winds that propel us.

The subprime ocean is filled with potential borrowers who have been tossed about by financial hardships and have lost faith in the traditional banking shores.

They seek a vessel that understands their plight, empathizes with their predicaments, and extends a lifebuoy in their time of need.

Our first tool for navigating these challenging waters is our digital compass – our online presence.

Achieving Digital Success: Unlocking the Power of Our Website

A well-crafted website is our lighthouse, standing tall and illuminating our unique selling propositions, loan terms, and stories of those we have rescued from financial storms.

Utilizing Search Engine Optimization (SEO), we ensure that when a sailor in need searches for a lifesaver, our lighthouse shines brightly on top of their search results, guiding them safely to us.

Content Marketing: Building Trust with Our Sailors

In our quest to build trust with our sailors, we turn to content marketing, our trusty map.

This map includes educational blogs, articles, and videos that enlighten our potential borrowers about subprime loans and how they can serve as a lifesaver in financial rough seas.

The treasure trove of knowledge we provide positions us as expert navigators of these waters and helps our sailors see that we are reliable allies in their journey toward financial stability.

The Social Puzzle: Understanding Relationships and Interactions

Our next vital tool is social media, our talking parrot. Like a faithful pet, social media repeats our message far and wide across the vast digital ocean.

Regularly sharing posts, customer success stories, and interactive content keeps our sailors engaged and attracted to our services. The talking parrot also allows us to target our calls, ensuring we reach the sailors most likely to need our help.

The Mobile Generation: Keeping Up with Fast-moving Sailors

But what about the sailors who are always on the move, exploring new waters?

For them, we have mobile marketing, our swift dolphin.

Ensuring our website is mobile-friendly and developing a mobile app helps us keep up with these fast-moving sailors, making it easy for them to apply for loans, track their loan status, and make payments, even in the choppiest of seas.

Value of Alliances: Partnering for Success

While our ship is strong, we know the value of alliances.

That’s where partnerships come in, our fleet of ally ships.

By joining forces with businesses like auto repair shops, high-risk insurance [non-standard auto insurance] agencies, buy-here-pay-here auto dealerships, and home rental agencies, we can help one another navigate challenging waters and reach more sailors in need.

Word-of-Mouth: The Powerful Sea Shanty

Word-of-mouth, our sea shanty, is a powerful tool in spreading our reputation across the ocean.

By implementing a customer referral program, we reward our loyal sailors for sharing our shanty, attracting new sailors to join us on our journey.

Referrals from our allies help us reach more subprime borrowers, amplifying the impact of our services and fostering collective prosperity.

Navigating Ethically in the Subprime Sea

The most crucial tool in our kit is our flag of trust. The subprime sea is fraught with predatory sharks.

We must stand out as a reliable ship, one that’s committed to ethical practices and exceptional customer service.

Our flag of trust flies high and clear, letting our sailors know they can count on us.

Gamified Customer Experience: Introducing the Treasure Hunt

We introduce a gamified customer experience, our treasure hunt, to ensure we keep our sailors engaged and excited.

Offering a playful and interactive experience brings joy to our sailors and educates them about our services and financial health in general.

Whether it’s a points system that can be redeemed for special offers or a quiz that helps them understand their loan better, the treasure hunt is an effective way to keep our sailors on board.

Community Outreach: Extending Lifeboats to Local Communities

Our vessel isn’t just about navigating the rough seas; it’s also about extending help to the surrounding islands.

Community outreach programs act as our lifeboats, venturing into local communities to educate people about financial planning and the role of subprime loans in financial recovery.

These lifeboats help create goodwill and strengthen our brand image, making us the ship that’s not just in business but also in service of the community.

Webinars and Online Workshops: The Captains’ Assembly

Through webinars and online workshops, our captains’ assembly brings together experts in the field to share their knowledge on responsible borrowing, improving credit scores, and managing finances.

These regular meetings ensure that we provide our sailors with the best advice, helping them chart their journeys toward financial stability.

Personalized Loan Plans: Offering Customized Sails

Finally, every sailor is different, and so should be our sails.

Offering personalized loan plans serves as our customized sails, catering to the unique financial circumstances of each borrower.

By showing our sailors that we understand and can adapt to their specific needs, we enhance customer satisfaction and loyalty, encouraging them to stay aboard our ship on their voyage to financial solvency.

Charting Our Course Towards Growth and Success

Our voyage on the subprime ocean is challenging and filled with unique perils and opportunities.

But with our innovative marketing tactics as our navigational tools, we can effectively chart our course, attract and retain sailors, and sail towards the horizon of business growth and success.

This is the voyage of the Subprime Lender, the ship that brings hope to the financially stranded sailors, steering them towards the shores of financial stability.

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I’m the ultimate loan shark, but the legal and friendly kind! I’m a subprime lending pro, a master of small-dollar loans for the masses.

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