Wirly

How wirly.com makes money

Last updated: March 2026

How we earn revenue

Wirly earns money through affiliate referral fees. When you click a link to a lender on our site and take an action (such as requesting a rate quote or submitting a loan application), the lender may pay Wirly a referral fee.

These relationships allow us to offer all of our tools, calculators, and educational content completely free to users.

What this means for you

When you see a “Check Rates” or “Compare Rates” button on our lender comparison pages, clicking it may result in Wirly earning a commission. The specific compensation varies by lender and can include:

  • Cost per lead (CPL): A fixed fee when you submit a rate request or application through a lender link
  • Cost per action (CPA): A fee when you complete a specific action, such as closing a loan
  • Revenue share:A percentage of the lender’s revenue from your loan, paid over time

What this does NOT mean

Affiliate relationships do not influence our rankings, calculator results, or editorial content. Specifically:

  • Rankings are not pay-to-play. Our lender rankings are based on publicly available data and editorial evaluation. A lender cannot pay for a higher position.
  • Calculator math is independent. Refinance calculators use standard amortization formulas and government rate data. No lender can influence the numbers you see.
  • Non-partner lenders are included. If a lender meets our editorial standards, we include them in comparisons regardless of whether they have an affiliate relationship with us.

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