Published: 08.07.2025
The PDL UA vertical , or microloans in Ukraine, has long remained one of the most profitable niches for affiliates. However, the situation has recently started to shift. Growing competition, a fatigued audience, and internal force majeure events have made results increasingly unpredictable. Under these conditions, more and more partners are seeking new markets, from PDL UA to foreign regions that can offer stable income and room for scaling.
Successful affiliates always think strategically. They don’t wait for the market to “catch fire” — they act in advance. That’s why, in 2025, more and more partners working in the PDL vertical on the Ukrainian market are actively testing new regions. This shift is driven by changes deeply rooted in the country’s and the world’s economic and political situations, as well as evolving audience behavior.
The Ukrainian PDL market is one of the most developed in Eastern Europe. On the one hand, this reflects its maturity, high competition, and a wide range of available affiliate programs. On the other hand, it means that there’s less and less “room under the sun.”
Just a few years ago, launching a campaign in the PDL UA vertical with an offer from a Ukrainian PDL was a relatively predictable process: partners assessed rates, traffic quality, audience age, and the share of mobile traffic.
Now, even a perfect funnel can “underperform” due to external factors. A user might not apply not because the creative is weak, but because they’re sitting in Telegram reading the news during an air raid alert.
Even with well-optimized ads and high-quality traffic, it’s impossible to guarantee stable income. And that’s exactly what drives partners to explore new regions, where such risks simply don’t exist.
For many partners, exploring new GEOs isn’t about escaping competition — it’s a move toward strategic growth. Foreign markets open up an entirely new horizon of opportunities for affiliates.
On many international PDL affiliate programs, the payout for a confirmed action is several times higher than what can be earned in the local market. Even basic affiliate programs with simple conditions can generate greater margins simply because the audience has higher purchasing power.
Tier-2 and Tier-3 countries are a real gift for those seeking a balance between traffic acquisition costs and the revenue from acquired leads. In these less competitive regions, Facebook and Google aren’t yet oversaturated with ads, giving affiliates more room to test and experiment without a significant risk of burning through their budget or incurring a loss.
Countries like the Philippines, Vietnam, Mexico, and Colombia attract partners primarily because of their affordability. The key feature of these markets is flexibility. Here, traffic costs mere cents, competition is low, and the audience actively engages with financial products.
You can test aggressive or unconventional funnels, adapt content to local language and culture, and still achieve stable results with minimal expenses.
Romania and Poland are up-and-coming markets for those with experience in traffic generation and a willingness to invest a bit more at the start. Yes, competition here is noticeably higher than in Asian or Latin American markets, but the market is still far from being oversaturated.
In these regions, the cost per click and lead is indeed higher, but it’s balanced out by a significantly larger average check.
In some verticals, partners earn up to €80 per conversion — and even more, especially when working with the right affiliate programs.
Moreover, many advertisers are open to collaboration. If you’re driving stable traffic and can show decent volume, getting custom conditions isn’t an exception — it’s more like the norm. This might include a higher payout rate, exclusive access to an affiliate program, or even a monthly bonus from the advertiser as an extra payout during reconciliation. Just reach out to your manager — they’ll help you find something for you.
Another important advantage is the high purchasing power of the audience. Polish and Romanian users are willing to pay for a product if they see the value in it. This allows you to focus more on lead quality rather than quantity.
Advice: If you’re just starting to test foreign GEOs, it’s better to begin with “softer” markets, like Mexico or the Philippines. Once you’ve fine-tuned your funnels, you can move on to more expensive but promising European markets with higher payouts.
At SalesDoubler, we offer a range of PDL affiliate programs that provide loans to Ukrainians even outside of Ukraine. This opens up a huge niche for media buyers who are used to working with local traffic but want to scale without changing their approach.
The Polish market looks especially promising, as over 2 million Ukrainians currently live in Poland. Many of them have stable incomes, actively use online services, and are looking for fast solutions, especially in the financial sector.
This is a great opportunity to generate traffic in a familiar niche using tried-and-true funnels, such as targeted Facebook ads, a dedicated section, page, or article on an SEO site, Google traffic directed to a small landing page with a limited number of offers, or even direct traffic to a single offer. The only difference? You’re working with different regions.
If you’ve already worked with traffic for Ukrainian microloans, you’ve a significant head start. Many websites tailored to financial topics in Ukraine can be quickly adapted for the Polish market. There’s no need to build everything from scratch — 50% of the work is already done.
This way, you’re not starting from scratch — you’re simply adapting to a new GEO with minimal costs and risks. For example, if you choose to work with Polish offers that provide loans to Ukrainians, you don’t even have to change the language of your landing page. Keeping it in Ukrainian is enough — just optimize the key search queries for the new audience. This allows you to scale quickly without significant resource investment.
PDL Affiliate Programs from SalesDoubler That Provide Loans to Ukrainians
Advice: Before launching, always check the affiliate program terms — some may have restrictions based on citizenship, specific banks, or credit history. However, most are suitable for Ukrainians with a residence permit.
Once you’ve chosen the country to scale into, the key question becomes: where to start? A successful launch depends not only on the offer or budget, but also on selecting the right traffic source, funnel format, and a flexible testing strategy.
Facebook remains one of the most effective channels for promoting financial offers, especially in Poland and Romania. However, due to market specifics, ad restrictions, and the desire to achieve quick results, partners most often use the following funnel: “Creative → Pre-lander → Affiliate program(s)”.
Why Does the Pre-Lander Work So Well?
A pre-lander is an intermediate page between the ad and the user’s final action on the advertiser’s website. In the microloan niche, it can take several forms:
P.S. Don’t forget that in your personal account on the SalesDoubler platform, there’s a built-in comparison site constructor that allows you to create a multi-offer site in just 10 minutes.
Both approaches make sense. If you’re confident in the affiliate program, direct traffic exclusively to it — ideally focusing on CPL or a hybrid model of target actions. To increase your chances of conversion, consider adding a comparison site with multiple options. Just make sure to include at least one CPL affiliate program — this will help you identify your audience faster and optimize your ad campaigns more effectively.
Advantages of This Traffic Setup:
This approach works well for both beginners and experienced affiliates. The bonus — it’s easy to adapt to any region by simply changing the pre-lander language and adjusting your campaign settings.
The Ukrainian PDL market has changed — and anyone who wants to stay in the game must evolve with it. Oversaturation, instability, technical and behavioral shifts — all of these force us to think bigger. Expanding into new GEOs isn’t just a trend; it’s a smart, strategic response to the challenges of 2025.
Right now is the perfect time to scale your PDL UA experience into international markets — efficiently, strategically, and with a real competitive advantage over those just starting out. New countries mean new opportunities. And SalesDoubler already has the affiliate programs, tools, and support you need to launch with confidence.
Join SalesDoubler today — and scale your potential with the leading CPA platform for financial traffic arbitrage. Your results are our priority.