I've been running finance campaigns for the past year, mostly targeting credit repair and personal loan keywords. From what I’ve seen recently (Q3 2025), the average CPC in finance varies wildly depending on the platform and niche. On Google Ads, I’ve paid anywhere between $2.80 and $7+ per click for competitive keywords like “best credit cards” or “debt consolidation.” Social platforms like Meta are slightly cheaper but less targeted in intent.
Interestingly, I started experimenting with alternative ad networks a few months ago to stretch my budget further. One that surprised me was 7SearchPPC — CPCs were noticeably lower, sometimes under $1 for decent mid-tail finance terms. Of course, volume isn't as high as the big players, but for campaigns that don’t need massive reach, it gave me a solid ROI.
I think the “average” CPC is becoming less useful as a number — it really depends on the platform, geo, ad quality, and niche (insurance is brutal). If you’re just starting out, test small on different networks and watch your conversion rates more than CPC alone.
Hope that helps — happy to share more if you're running a similar campaign!