Refer for Good exists to make it easier to do two things at once: earn valuable sign-up bonuses and fund meaningful microloans. The guiding idea is simple: Earn sign-up bonuses. Fund microloans. Do both.
How this site is funded
Many of the links on Refer for Good are referral or affiliate links. When you click on one of these links and sign up for a product or service, the site owner may earn a commission, referral bonus, or similar reward. This happens at no additional cost to you. In some cases, you may also receive a bonus or special offer by using a referral link.
What happens to the money earned
Every dollar of commissions and referral earnings generated through Refer for Good is loaned to entrepreneurs and small organizations through Kiva.org, a nonprofit that facilitates microloans around the world. These are loans, not donations, which means that when funds are repaid, they can be loaned out again to support additional borrowers.
This model is designed so that your decision to use a referral link not only helps support the work of this site, but also helps expand access to capital for people who might otherwise be overlooked by traditional lenders.
Independence of rankings and recommendations
Any rankings, reviews, or recommendations on Refer for Good are based on the site owner’s independent opinions, research, and experience. They are not determined by, and do not depend on, whether a company pays a commission or offers a referral bonus.
Referral or affiliate status may influence which products are featured or how much detail is provided about them, but it does not change the overall assessment, pros and cons, or the order in which options are recommended.
Your responsibility as a reader
Offers, terms, and eligibility requirements can change frequently. Before applying for any product or service mentioned on this site, you should review the details provided by the issuer or provider and make sure the choice fits your own financial situation, goals, and risk tolerance.
Nothing on this site is financial, legal, or tax advice. You are responsible for evaluating whether a product makes sense for you, and you should consider consulting a qualified professional if you need personalized guidance.
Why this disclosure matters
Transparency is essential to trust. Knowing how this site is funded and what happens with any money earned helps you decide how much weight to give the information here and whether you want to support the model by using referral links. The goal is to align incentives so that when you benefit from a sign-up bonus, someone else benefits from increased access to opportunity.
If you ever have questions about a specific link, offer, or recommendation, you are encouraged to reach out and ask for clarification.
Last updated: September 25, 2026