Refer BMG Money
to Coworkers
& Earn Cash

There is no limit to how much you
can earn.

Ways to Earn

  • $1

    for every coworker that applies

  • $100

    for every coworker that gets approved

  • bonuses

    when you reach referral targets (see below)

Earnings for Referrals Applied*:

Plus receive bonuses for every 10 additional coworkers that apply. See chart below

Referral Earnings Bonus Total
9 $9 - $9
10 $10 $10 $20
15 $15 $10 $25
20 $20 $20 $40
25 $25 $20 $45
30 $30 $30 $60
35 $35 $30 $65

* Not applicable to California or Wisconsin Residents

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 $300 $500 $1,000 $2,000
Bonus $50 $100 $200 $400
Total $350 $650 $1,350 $2,750

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 Applied: 0
Earnings for Applicants: $0
Bonus for Applicants: $0
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 every time a new coworker applies through BMG Money

Examples of Real Earnings

There is no limit to how much you can earn!

Gloria (TX)


Tonshia (SC)


Monique (FL)


Frequently Asked Questions

Once you become a customer you 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 $101. You can also receive a referral bonus based on the number of referrals you send to us. There is no limit to the amount you can earn. 

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). When will I receive payment for my approved referrals?

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, LLC 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 (“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) One hundred dollars ($100.00) for every referral who receives a loan through us, and (b) one dollar ($1.00) for every referral who submits a complete loan application to us, except for residents of California or Wisconsin, and (c) a bonus ranging from and additional fifty dollars ($50.00) to four hundred dollars ($400.00) or more for multiple funded loan referrals (see details below or at, and ten dollars ($10.00) to thirty dollars ($30.00) for multiple loan application referrals, except for residents of California or Wisconsin.

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 Reviews

1 Instant Funding available within minutes of approval if you provide a valid debit card where your primary income is generally deposited in the bank account linked to this debit card. Same day ACH funding is available for applications approved and signed before 12:00 p.m. ET Monday - Saturday (not including federal holidays). For applications approved and signed by 4:30 p.m., funds are generally deposited the next business day Monday - Saturday (not including federal holidays, in which case funding will occur on the following business day).

2 Your FICO Score will not be pulled for the processing of this loan application; however, alternative credit scores are pulled and used in determining creditworthiness. LoansAtWork does not require any sort of credit score. Payment history is reported to all three major credit reporting agencies and failure to make payments may affect your credit scores.

3 All loans marketed by BMG Money are made by WebBank, except, as of 12/08/2023 the loans made to residents of are made by BMG LoansAtWork, LLC.

4 Loans through BMG Money are provided at a significantly lower cost than most payday loans. For example, a $2,000 loan with a one-time fee of $59 will be paid through 87 installments over 40 months, will have an APR of 35.98% and the approximate biweekly payment will be $40.00 with a total payback amount of approximately $3,479.02 (assumes a loan execution date of 03/07/2024). In contrast, 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%.” Source:

5 The interest rate match policy applies only to loans intended to be repaid by payroll allotment, to employees of the U.S. federal government (excluding military service members).

6 Military Lending Act Disclosure: Due to rules and restrictions within the Military Lending Act, this program is not available to active-duty service members or their spouses.

7 California Residents: California Privacy Rights: Our CCPA Notice can be found here:

8 Residents of Washington: BMG LoansAtWork, LLC holds Consumer Loan Company License # CL1649032; NMLS Consumer Access webpage:

9 From 01/01/2023 – 01/31/2024, 57.4% of all loan applications were approved (only 42.6% of applications were declined). According to Market Watch, the Federal reserve released figures in July, 2023 showing loan application rejection rates among lenders averaged 56% among borrowers with credit scores of 680 or below. Source:

10 The NEA Advantage Loan program is not available in Ohio, Indiana, Maine, Nebraska, New York, Washington, West Virginia, New Hampshire, North Dakota, Georgia, Nevada, Rhode Island, Connecticut, Massachusetts, Vermont, Wisconsin, New Jersey.