The advertisers often suggest using some form of PPC but I think that's because they are not the ones who are paying for that.
I have found a non-paying lead on my affiliate network that pays $20 per lead, and doesn't have to do anything about loans, insurance, mortgage, banks, credit cards or any of that other crap.
Its a lead where your surfer does not need to pay for you to get credit. Thats what I think, correct me if i am wrong