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 residents

Earnings for Referrals that were Approved

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 with 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 us to friends and family who apply and are approved to become BMG Money customers (“Referral”). The following BMG Money Terms and Conditions (“Referral Terms”) contain important information about our 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 to our Terms of Use .

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 a referral account by registering on the Referral website (“Referral Account”); (c) have and maintain an BMG Money Referral Account in good standing; and, (d) BMG Money loan payments, if applicable, must be current, and (e) not reside in California or Wisconsin. A member 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 to BMG Money prior to clicking your Referral Link; and (c) uses your Referral Link (defined below) to fill out and submit a loan application on the BMG Money website (“Referral Loan Application”); and, (d) the Referral Loan Application is funded within the thirty (30) days following submission using the Referral Link (a “ Funded Loan ”).

Earnings 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 approval date 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 an Eligible Referral received a Funded Loan using your Referral Link in accordance with these Referral Terms and whether you are eligible to receive the Referral Reward.

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 if you provide a valid debit card, funds are generally deposited in the bank account linked to this debit card within minutes. If you do not choose the instant funding option, expedited funding is available and usually takes 2-3 hours to receive funds if your bank is within the RTP® network. For ACH funding outside the RTP network, same day 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 Credit Score will not be pulled for the processing of this loan application; however, failure to make payments may affect your FICO credit score.

3 Subject to BMG Money, Inc. or BMG LoansAtWork, LLC loan program requirements and approval.

4 BMG Money loans are provided at a significantly lower cost than most payday loans. For example, in Florida a $2,000 loan with a one-time fee of $25 will be repaid through 25 bi-weekly allotment installment payments in one year, will have an APR of 32.25% and a bi-weekly allotment installment payment of approximately $95 with a total payback amount of approximately $2,358.82 (assumes a 06/14/2021 loan execution date). In contrast, “...the average interest rate on the average payday loan is 391%...” Source – - July 19, 2019.

5 Our interest rate match policy applies only to loans made by BMG Money, Inc. or BMG LoansAtWork, LLC, intended to be repaid by payroll allotment, to employees of the U.S. federal government (excluding military service members) residing in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Minnesota, Montana, Nebraska, Nevada, New Hamsphire, New Jersey, New Mexico, New York, North Carlina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Washington DC or Wyoming. * TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER YOU MAY WRITE OR CALL Customer Service Manager at 444 Brickell Avenue Suite 250 Miami, FL 33131; (800) 316-8507; or at TO RESIDENTS OF NEW MEXICO: This lender is licensed and regulated, when making loans of $10,000 or less, by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website "New Mexico Regulation & Licensing Department". All loans are made by BMG Money affiliate BMG Money LoansAtWork, NMLS #1649032.

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: Loan made or arranged pursuant to a California Finance Lenders Law license please note, that "California Finance Lenders Law" has since changed its name to "California Financing Law”. California Privacy Rights: If you are a California resident who is a natural person, the California Consumer Privacy Act (“CCPA”) provides certain rights concerning your personal information, unless an exception applies. These exceptions include information subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and Fair Credit Reporting Act (“FCRA”). In addition to the exceptions under the CCPA, the CCPA does not consider information to be personal information if it cannot be reasonably linked to any consumer or household. The information that we collect, use, and share is exempt from the CCPA because it is subject to the GLBA, subject to the FCRA, or it is not considered personal information.

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