Refer BMG Money
to Coworkers
& Earn Cash

There is no limit to how much you
can earn.

Ways to Earn

    $50

    for every referral that gets approved

  • $100 bonuses

    For every 5 approved referrals

Earnings for Referrals that were Funded

Plus significant bonuses for reaching specific milestones. See chart below:

3 Referrals 5 Referrals 10 Referrals 20 Referrals
Earnings $250 $500 $750 $1000
Bonus $100 $200 $300 $400
Total $350 $700 $1050 $1400

How many coworkers can you refer? Earn​ a lot of money with our referral program!

Calculate Your Earnings!​

Charts can be confusing, keep it simple ​ with our referral calculator:

How many coworkers can you refer?
Referrals that were approved: 0*
Earnings for Approvals: $0
Bonus for Approvals: $0
Total: $0

*All referrals may not be approved for a loan, terms and conditions apply​

Ready to Refer?

Receive BMG Money cash rewards!

  1. Login to your account to access code or link

  2. Share your unique code or link with coworkers via social media or text message

  3. Earn cash rewards for every referral that gets approved through BMG Money

Examples of Real Earnings

There is no limit to how much you can earn!

Gloria (TX)

$1,220.00

Tonshia (SC)

$2,348.00

Monique (FL)

$1,916.00

Frequently Asked Questions

Once you become a customer you'll receive a referral code that you can share with friends and coworkers that are eligible to apply. For every new approved and funded applicant that uses your code, you will receive $50. You can also receive a referral bonus based on approved referrals. There is no limit to the amount you can earn. 

Please note, certain employer programs are not eligible. Accounts that are in default or past due will have their bonus credited to their outstanding balance.

The referral code is located on your dashboard when you log into your BMG Money account. 

Apply using the link provided to you from the referrer, or enter the code in the referral code field when you create your login.​ 

Your referral bonus is sent via ACH to the banking information you provided or by check; in some cases we may credit your outstanding loan balance (see Eligibility section below).

Payments for all approved referrals are sent out on a weekly basis, in the following week. 
Read More FAQs

*BMG Money Referral Program Terms and Conditions

The BMG Money Referral Program (“Referral Program”) has been created to reward you (“you,” “Referrer”) for recommending loans through BMG Money to coworkers who apply, are approved and, have a Funded Loan (“Referral”). The following BMG Money Terms and Conditions (“Referral Terms”) contain important information about the Referral Program, so please read them carefully. These Referral Terms set forth the terms and conditions for participation in our Referral Program and are hereby incorporated by reference into our Terms of Use, including the Arbitration Provision. The BMG Money Referral Program is provided by BMG LoansAtWork, Inc. and it’s affiliates.

Eligibility: In order to participate in the Referral Program, you must (a) accept and agree to our Terms of Use, including these Referral Terms and our Privacy Policy; (b) set up aregistered account on the Referral website https://bmgmoney.com/referrals/ (“Referral Account”); (c) have and maintain an BMG Money Referral Account in good standing; and, (d) Your loan account through BMG Money, if applicable, must be current, and (e) not reside in California or Wisconsin. A customer that meets these eligibility requirements is an “Eligible User”.

Eligible Referral: An Eligible Referral means an individual who: (a) does not currently have, and has never had, a BMG Money Account; (b) has not submitted a loan application through BMG Money prior to clicking your Referral Link; and (c) uses your Referral Link (defined below) to fill out and submit a loan application through the BMG Money website (“Referral Loan Application”). In order to be eligible for a rewards for a referred funded loan, the Referral Loan Application must be approved and a loan funded within the thirty (30) days following submission using the Referral Link (a “Funded Loan”).

Earning Referral Rewards: When an Eligible User registers for our Referral program on the referral site, we will provide that Eligible User with a personalized hyperlink via email that contains a unique referral ID associated with their Referral Account (“Referral Link”). Subject to these Referral Terms, within thirty (30) days of the completion of the loan application submission or loan funding date, as applicable, by each Eligible Referral using your Referral Link, the Referral Reward will be issued to you in the form of an electronic deposit into your bank account or a check of equal amount will be sent to your home address. We will determine, in our sole discretion, whether a referral is an Eligible Referral, including whether an qualifying application was submitted or whether a qualifying application resulted in a qualifying Funded Loan and whether you are eligible to receive the Referral Reward. Earnings amounts will be determined as follows: (a) Earnings amounts will be determined as follows: (a) fifty dollars ($50.00) for every referral who receives a loan through BMG Money, and (b) a bonus of one hundred dollars ($100) for every five (5) approved referrals.

Restrictions and Limitations: By participating in the Referral Program, you agree to: (a) send referral emails only to people that you know; and, (b) not to engage in any activity that may be considered fraudulent, invasive, or that may be considered spamming. We reserve the right to investigate any suspicious or inappropriate activity relating to the Referral Program. Notwithstanding any provision of these Referral Terms, we are not obligated to pay any Referral Rewards if we determine, in our sole discretion, that (a) the Sign-Up Process completed by an Eligible Referral is not a bona fide transaction, including, without limitation, if you use a Referral link to register for more than one Account; or (b) you have engaged in any fraudulent or deceitful behavior in connection with the Referral Program, including, without limitation, if you, directly or indirectly, offer any person a financial or other incentive to complete the Sign-Up Process using your Referral Link or attempt to redirect traffic from, or divert Referral Rewards from, any other referrer in the Referral Program. We reserve the right, in our sole discretion, to delay payment of any Referral Rewards while we investigate your participation in the Referral Program or any use of your Referral Links.

Taxes: If you, the Referrer, file taxes in the United States, you must notify BMG Money if you have received $600 or more in Rewards from BMG Money during a single calendar year. If you receive a Reward, you (as a Referrer) are responsible for all applicable taxes and fees resulting from it. By participating in the Referral Program, you release BMG Money and its agents from all liability, including, without limitation, with respect to the Reward.

Non-Exclusive: The Referral Program is non-exclusive. You acknowledge and agree by participating in the Referral Program that we may, at any time, solicit customer referrals via any method in our sole discretion.

Termination or Suspension: BMG Money may, in its sole and absolute discretion, cancel, change, suspend or modify any aspect of the Referral Program or Referral Terms and Conditions at any time, without notice.

Personal Information: Any personal information collected in connection with the Referral Program will be used in accordance with the BMG Money Privacy Policy.

Contact Us: If you have any questions, comments, or concerns regarding these Referral Terms or the Referral Program, please contact us by email at customer.service@bmgmoney.com”

Customer Reviews

1 Loan amounts range from $500 to $12,000. Loan lengths range from 6 to 60 months. Annual Percentage Rates (APRs) range from 19.99%-35.99%. Many loans have a one-time 5% origination fee. Loans do not require repayment in full within 60 days from the loan issue date. For example, a $3,000 loan repaid in 52 biweekly installments of $76.00 over 24 months will have a 31.35% APR. Your loan’s details will depend on the amount and your payroll schedule.
Most BMG Money-branded loans are made by WebBank. As of 08/01/2025, loans to residents of Illinois, Ohio, and Rhode Island are made by BMG LoansAtWork, Inc.
BMG LoansAtWork, Inc. is licensed in many states. For more information, see https://www.bmgmoney.com/compliance.
Loans through BMG Money are provided at a significantly lower cost than most payday loans. According to the Consumer Financial Protection Bureau, “A typical two-week payday loan with a $15 per $100 fee equates to an annual percentage rate (APR) of almost 400%". Your actual loan's details will depend on the amount and your payroll schedule.” Source: https://www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/

2 Your FICO Score will not be pulled or used for the processing of your loan application. Alternative credit scores are pulled and used in determining creditworthiness. We report payment history to all three major credit reporting agencies and failure to make payments may affect your credit scores.

3 A loan offer is not guaranteed. Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant’s credit profile. Loan terms are subject to verification of identity and credit information. Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. We will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

4 If you provide a valid debit card linked to the bank account where your primary income is generally deposited, Instant Funding is available within minutes of signing for your loan. For applications approved and signed by noon ET, same-day ACH funding usually is available. For applications approved and signed by 4:30 pm ET or on Sundays and holidays, funds usually are deposited the next business day.