Some merchants are quite strict. If you do not already have a website, be sure to add one. As a lot of merchants do not accept affiliates without websites. For loan programs or lead based programs, you'll need to have relevant content or have a history of performance.
If you can't get into a program, just promote programs you do get in and once you are starting to earn money, that provides some history for the stricter merchants and you may be approved later.
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