Dear All,

Here at Smart Quotes, the sales team is continually striving to deliver ever better campaigns and clients to the network. In particular, we have been working very hard to secure ‘per submit’ deals for credit cards, bank accounts, life insurance, mortgages and lead-secured loans. We now have a number of what we think are high-paying, per submit campaigns and would like to thank you for the business generated so far and for delivering such high volumes of leads for newer secured loan campaigns.

As you may know we now have running
Eloanshop £85
LoanLine £105
Picture Loans £63.75
Zen Loans £0.25% of loan value (new submit deal to be announced shortly)

A number of affiliates have now requested that we clarify what are the best practices regarding secured loans and why certain leads may be rejected. This letter is all about explaining ours and our clients’ position regarding these loan leads.

Secured Loan Campaigns

We are extremely careful to only work with secured loan companies and brokers that IPT has established relationships with over several years. We also currently request that secured loan clients return any leads that are rejected under our standard rejection criteria within 48 hours.

These criteria are:

• Wrong telephone number.
• Non-UK tax payer.
• Fraud e.g. not listed on the electoral role.
• £5,000 minimum loan amount, unless otherwise stated by the merchant. (For instance, LoanLine has a minimum of £10,000).
• Denied application (this does occur).
• Incentives offered.
• Multiple applications – secured loan leads are supplied exclusively to the loan client, meaning any lead that states: “I have been called by 3 or 4 companies” or “I have sorted out my loan”, will be rejected as invalid.
• So adverse that lending is not possible (actually very rare – less than 1% of rejects fall into this category).

The recycling of spent leads is not an option. It can be caused by affiliates buying in leads from other sources such as US lead companies or waiting a few weeks and submitting previously supplied leads to a second merchant partner – the client will reject the lead as invalid and will simply leave the affiliate out of pocket as we will not pay for the lead.


Why do Smart Quotes insist on this tight deadline return policy?

• We believe this is the best way of ensuring that our loan partners are efficient, high-quality brokers who will do the best for the leads and for our affiliates. This means that as an affiliate, you get to know your actual earnings sooner and get paid more.
• We are able to generate high-paying campaigns as our leads are always called at the time they are most responsive.
• Leads are not simply being recycled and sold on. This sort of behaviour deprives our affiliates of the premium we believe they are worth for delivering high-quality leads.


If you pre-qualify the leads you wish to submit please feel free to do so, but you should at the very least follow these guidelines:

• The biggest mistake is delaying three or four hours between verification and submission of the lead. This can affect the overall conversion of loans that you submit and therefore the rate we are able to pay you per submit.
• The older a lead is, the less responsive it becomes. By submitting the lead as close to real time as possible, the less chance the consumer will respond with: “I have been called by 3 or 4 companies today”.
• Tell the consumer who will be calling next.
• It should be understood that a percentage of rejects will always be rejected regardless, as some leads will fall victim to the rejection criteria previously listed.


What happens if Smart Quotes continues to experience high levels of rejects on secured loan leads?

• We will regrettably be forced, at the request of clients, to impose more stringent validation rules, leading to affiliates having to wait longer for payment details and actual payments. Ultimately, the result of this will be affiliates being paid less per lead submitted as reject rates increase.
• We have previously avoided ‘per offer’ secured loan campaigns, even though these offer higher commissions. Our experience suggests that unless we know the companies very well and have audited their call centre and lead processing systems, there are too many instances where affiliates lose out from poor tracking and poor sales approaches. However, should affiliates seem dedicated to trying to ‘game’ the system by sending our clients poor quality leads, we will have no alternative but to restrict per submit campaigns, leaving only per offer deals available to all affiliates.
• Any affiliate we find committing actions that appear to us to be designed to generate false leads may result in blacklisting from the network and being prohibited from running any cost per submit campaigns across any of our products.


The last calendar month has been one of the most successful to date, with affiliates receiving some of the biggest payments we have made as a result. Once again we would like to thank you for your contribution to this. We would very much like this success to continue further, but this will only be possible by all involved upholding the best practices and rejection criteria that have enabled the generation of such high volumes of quality leads.

Kind regards,


Smart-Quotes