WordPress theme · Credit tools and financial offers
Launch your own credit score and offers site, earning from matched financial offers
Scoreharbor gives visitors a free score estimator, a member dashboard and nine calculators, then ranks cards, loans, mortgages, HELOCs, bank accounts and more by how well they fit each person. You earn when they click through and are approved. No plugins and no credit bureau data needed.
View live demo How you make money
No sign-in needed: the demo opens as a sample member. Offers, providers and members are fictional, offer buttons go to placeholder pages and checkout runs in test mode, so no money moves.
How you make money
Free tools bring visitors. Matched offers pay.
Affiliate payouts
Card issuers, lenders, mortgage brokers, banks and investing apps pay a fee when a visitor you send applies, is approved or opens an account. Payouts per approval are among the highest in affiliate marketing.
Sponsored placements and ads
Sell the labelled Sponsored slots at the top of each compare page by the month, and fill the display ad slots with an ad network.
Member plan and email
Sell the optional Credit Builder Plan, and send offer alerts to a subscriber list you own so visitors come back.
Example month (illustration only)
These are made-up example figures to show how the pieces add up. They are not a promise or a forecast. Real payouts depend on the programs that approve you, your country, your traffic and how many visitors are approved.
| Source | Example assumptions | Example result |
|---|---|---|
| Credit card approvals | 25 approvals at $60 | $1,500 |
| Personal loans and debt relief | 12 funded loans at $50, 4 debt relief enrolments at $75 | $900 |
| Mortgages (purchase, refinance, renewal) | 6 funded mortgage leads at $150 | $900 |
| Home equity and HELOCs | 3 funded at $120 | $360 |
| Lines of credit (personal and business) | 5 approvals at $60 | $300 |
| Auto loans and refinancing | 6 funded at $45 | $270 |
| Student loan refinancing | 2 funded at $150 | $300 |
| Business loans | 2 funded at $200 | $400 |
| Bank accounts (savings, chequing) | 20 accounts opened at $25 | $500 |
| Investing, RRSP and TFSA accounts | 10 funded accounts at $40 | $400 |
| Credit builders and insurance | 15 sign-ups at $15, 10 insurance quotes at $10 | $325 |
| Sponsored placements | 2 compare-page slots sold at $250 a month | $500 |
| Display ads | 40,000 page views at $8 per thousand | $320 |
| Credit Builder Plan | 30 members at $9.99 | $300 |
| Example total | $7,275 | |
Each program sets its own payout and approval rules, and many pay only on approved or funded applications. Payment processor fees are not included.
What you get
Everything a credit tools site needs, built in
Credit score estimator
- Payment history, utilization, credit age, mix and recent applications
- Estimated range on the 300 to 900 (Canada) or 300 to 850 (US) scale
- Factor breakdown and a personal action plan
- Clear "estimates, not official scores" notice on every page
- No bureau data needed and nothing touches a credit file
Free member dashboard
- Estimate history on a chart with a goal line
- Credit health checklist members tick off as they go
- Profile with income, homeowner, business and student loan answers
- Top matches and offer alerts in one place
- Members never see wp-admin
Offer matching
- Add offers with provider, rate, fees, terms, welcome offer and your affiliate link
- Set the credit band, minimum income and homeowner, business or student needs
- "Your matches" ranks every offer by fit: Strong, Good, Possible or Stretch
- Compare pages per category with a side-by-side table and a three-offer picker
- Clearly labelled Sponsored slots and an editable advertiser disclosure
13 money categories
- Credit cards, personal loans, credit builders, insurance and debt relief
- Mortgages: purchase, refinance and renewal
- Home equity and HELOCs, personal and business lines of credit
- Auto loans and refinancing, student loan refinancing, business loans
- Bank accounts (high-interest savings, chequing) and investing, RRSP and TFSA
Nine calculators
- Debt payoff planner comparing avalanche and snowball
- Utilization, loan payment and credit card interest
- Mortgage payment and home affordability with a stress-test rate
- HELOC borrowing room and line of credit payment
- Monthly budget saved in the visitor's own browser
Optional paid Credit Builder Plan
- A 90-day repair plan in four phases
- Dispute, goodwill, debt validation, fraud and pay-for-delete letter templates
- Stripe Checkout and PayPal built in, with a test mode
- You set the name, price and length of access
- Switch it off if you only want a free site
For the site owner
A simple admin that does the busy work
Offer alerts and newsletter
Sign-up forms across the site, a subscriber list you own, CSV export and offer alert emails with one-click unsubscribe.
Built-in traffic and click stats
Page views, offer views and outbound offer clicks per day, with your best offers. Bots are skipped.
Affiliate programs list
A starter list of real credit, lending, banking and investing affiliate programs and networks to apply to.
Display ad slots
Header, in-content, sidebar and footer slots for an ad network or your own banners.
Optional credit data API slot
Off by default. If you later sign your own approved data agreement with a provider, connect it with an endpoint and key or a small adapter.
Sample content in one click
72 fictional offers, 24 guides, a 31-term glossary, FAQ and sample members, added or removed in one click.
Integrations
Works with the services you already use
Specs
Technical details
| Requires | WordPress 6.2 or newer, PHP 7.4 or newer (tested on PHP 8.3) |
|---|---|
| Plugins needed | None |
| Countries | Canada (300 to 900) or United States (300 to 850), set in one click |
| Payments | Stripe and PayPal, test and live modes |
| Credit data | Estimates from member answers. Optional API slot for your own approved data provider. |
| Design | Responsive, light and dark mode, custom logo, accent and header colors |
| Included | Theme, sample content, step-by-step documentation, translation file |
| Questions | admin@007aj.com |
See it working
Open the sample member dashboard, run an estimate, compare offers and try the calculators.