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Borrowed Trust Payday Review: The “No-Selling” Solution for Cold Traffic?

If you have spent any amount of time trying to make money online, you have likely encountered a frustrating reality: driving traffic is only half the battle. You can send hundreds of clicks to an offer, but if those visitors don’t pull out their credit cards, you’ve accomplished nothing.

If you have been driving traffic but seeing zero commissions in your dashboard, you are definitely not alone. The hard truth about the current state of digital marketing is that most people don’t fail because they chose a bad offer, and they don’t fail because they can’t find traffic. They fail because the average internet user has become incredibly skeptical. No one trusts links anymore.

That simple fact is the precise problem that the Borrowed Trust Payday system claims to solve.

Created by industry veterans Tom E and Marc Gray, Borrowed Trust Payday is marketed as a beginner-friendly “Make Money Online” (MMO) system designed to solve the trust deficit. It promises to turn cold, skeptical clicks into eager buyers by leveraging the authority of platforms that people already trust. The pitch is compelling: no selling, no on-camera videos, no paid ads, and no massive budget required—with a free traffic method included from day one.

In this in-depth Borrowed Trust Payday review, I’m going to break down exactly how this system works, analyze what you actually get inside the members’ area, weigh the pros and cons, and help you decide if this method is a legitimate opportunity or just another shiny object.

Borrowed Trust Payday Review – At A Glance

Before we dive into the mechanics of the strategy, here is a quick overview of the product details:

• Creators: Tom E and Marc Gray

• Product Name: Borrowed Trust Payday System

• Official Website: Click Here to Visit the Official Page

• Front-End Price: $17.90 (One-time payment)

• Bonuses: Yes, substantial bonuses are included

• Refund Policy: 30-Day Money-Back Guarantee (No questions asked)

• Support: Vendor Support Desk (tom@antigurus.com)

• Niche: Affiliate Marketing / Traffic Generation

What Exactly Is Borrowed Trust Payday?

At its core, Borrowed Trust Payday is an online marketing system tailored for beginners who are struggling to convert traffic. The entire philosophy of the product revolves around a concept the creators call “Borrowed Trust.”

In traditional affiliate marketing, you send a stranger directly to a sales page. The problem? That stranger doesn’t know you, and they certainly don’t trust the sales page you just sent them to. Their guard is up, and their wallet stays closed.

Borrowed Trust Payday changes this dynamic. Instead of aggressively pitching, selling, or creating persuasive videos, this system teaches you how to place your affiliate links within environments and platforms that the user already trusts. Because the environment feels safe and familiar, the click feels natural rather than forced. It transforms a “sales pitch” into a logical “next step.”

The “Anti-Selling” Approach

What truly differentiates Borrowed Trust Payday from the hundreds of other courses launched this year is its reliance on a “non-salesy” approach.

• 100% Free Traffic: The method does not require you to spend money on Facebook Ads, Google Ads, or Solo Ads.

• No Content Creation: You don’t need to be a YouTuber, a blogger, or an influencer.

• Fast Setup: The creators claim the initial setup takes roughly 20 minutes.

• Automation: Once a “Trust Hub” is activated, it runs in the background, guiding visitors through the funnel automatically.

This is essentially a system built for marketers who are tired of low conversion rates and the high rejection that comes with traditional selling. It focuses on ethics, simplicity, and scalability, making it a strong contender for beginners who want to avoid technical headaches.

Meet The Creators: Tom E and Marc Gray

To understand why this system might work, you have to look at who built it. Borrowed Trust Payday is the brainchild of Tom E and Marc Gray, two marketers who have established a reputation for creating practical, “in-the-trenches” software and training.

Tom E is a veteran in the affiliate marketing space with over a decade of experience. He is known for his “Anti-Guru” style, often calling out the industry for overcomplicating simple processes. Tom realized that the biggest hurdle for his students wasn’t getting traffic—it was getting that traffic to believe in the offer. He developed Borrowed Trust Payday to remove the pressure of selling by using psychology rather than brute force.

Marc Gray complements Tom’s strategic vision with a focus on systems and execution. Marc specializes in taking complex marketing theories and boiling them down into repeatable, step-by-step processes that don’t require a computer science degree to implement. His role in this project was to ensure that the method is scalable and automated, removing the barriers that usually stop beginners in their tracks.

Why This Partnership Matters: When you combine Tom’s understanding of traffic psychology with Marc’s systems-based approach, you get a product that avoids fluff. They focus on:

1. Simplicity: Methods that anyone can follow.

2. Ethics: Compliance-friendly strategies that won’t get you banned.

3. Universal Application: A system that works in health, wealth, relationships, or any other niche.

What Is Included Inside The Member’s Area?

When you purchase Borrowed Trust Payday, you aren’t just getting a PDF ebook. You are getting access to a complete ecosystem designed to convert cold clicks into commissions. The creators have structured the product to be self-contained, meaning you shouldn’t need to buy extra tools to make it work.

Here is a detailed breakdown of what you will find inside:

1. Step-by-Step Members Training

The foundation of the product is the video training modules. Tom E and Marc Gray walk you through the entire process click-by-click. They don’t assume you have prior knowledge. The training covers everything from the theory of “Borrowed Trust” to the actual technical setup, ensuring you are never left guessing what to do next.

2. The Borrowed Trust “Hub” Setup System

This is the “secret sauce” of the method. The training shows you exactly how to build and activate your “Trust Hubs.” These are the specific environments where you will place your links. The goal here is to make your affiliate link look like a helpful resource rather than an advertisement. You can set these up in minutes.

3. Built-In Free Traffic Sources

Traffic is usually the most expensive part of any business, but Borrowed Trust Payday includes a strategy for generating 100% free traffic. You won’t need to budget for ads or spend months building an email list. The system shows you how to tap into existing traffic pools immediately.

4. Done-For-You Traffic Flow

The creators have designed a specific “flow” or path that the traffic takes. This structure is pre-optimized to work with the Borrowed Trust psychology. It ensures that by the time a visitor sees your link, they have already been psychologically primed to click it.

5. Niche Universality

While many systems only work in the “Make Money Online” niche, Borrowed Trust Payday is niche-agnostic. whether you are promoting weight loss supplements, dog training courses, or software tools, the psychology of trust remains the same.

6. No-Selling & Beginner-Friendly Protocol

The system completely removes the need for you to be a salesperson. There are no scripts to learn, no videos to record, and no complex funnels to build. You simply follow the steps to activate the system and let the “Borrowed Trust” do the heavy lifting.

Why Is Borrowed Trust Payday Worth Your Attention?

I have reviewed hundreds of products over the years, and I approach every new launch with a healthy dose of skepticism. However, Borrowed Trust Payday stands out for a few specific reasons.

1. It Solves the “Trust” Issue Most marketing courses teach you how to get more eyeballs on a page. But if those eyeballs don’t trust you, they won’t buy. This system acknowledges that the modern consumer is cynical. By removing the “hard sell” and replacing it with “trust-based positioning,” it addresses the root cause of low conversions.

2. The Barrier to Entry is Incredibly Low If you have ever tried dropshipping or Amazon FBA, you know you need hundreds or thousands of dollars to get started. With Borrowed Trust Payday, the barriers are removed.

• No Ad Spend: You don’t risk losing money on failed Facebook campaigns.

• No Tech Skills: You don’t need to know HTML or how to code.

• No Content Grind: You don’t need to write a blog post every day.

3. It’s Realistic Tom and Marc don’t promise you will become a millionaire overnight. They promise a system that converts cold traffic better than traditional methods. The step-by-step nature of the training makes it feel achievable for a regular person, not just a marketing guru.

4. It Eliminates the “Traffic Headache” Since the traffic generation method is built-in and free, it solves the biggest ongoing cost for marketers. You don’t have to wake up every morning wondering where your next visitor is coming from.

5. Low Financial Risk At a low one-time price point, this isn’t a high-ticket investment. Combined with the refund policy, it allows you to test a new methodology without risking your rent money.

Pricing & Verdict: Is It Worth The Cost?

Let’s talk about the numbers. Is Borrowed Trust Payday actually worth the money?

Currently, the front-end price is $17.90 (one-time).

When you look at the value proposition, this price is surprisingly low. Consider what you are getting:

• A strategy that turns cold clicks into buyers using ethical psychology.

• A traffic method that is 100% free and included.

• A system that requires NO selling and NO budget.

• A method that is scalable and works in any niche.

Most competitors charge $17 just for a simple PDF report. Here, you are getting a full video training course and a system layout. Furthermore, the creators have stated that this is an early-bird launch price. It is highly likely that the price will increase significantly once the launch period ends.

The Safety Net: 30-Day Guarantee Perhaps the most important factor in the pricing decision is the guarantee. Tom E and Marc Gray offer a 30-day money-back guarantee with no questions asked. This effectively removes the risk from your shoulders. You can buy the system, go through the training, set up your first “Trust Hub,” and see if it works for you. If you don’t like it, you get your money back.

The Optional Upgrades and OTOs

Before you finalize your decision to jump in, it is highly beneficial to be aware that Borrowed Trust Payday provides a selection of optional enhancements. These upgrades are specifically engineered to assist you in scaling your operations more rapidly, automating a larger portion of the workload, and maximizing your overall results. Let’s take a comprehensive look at what these One-Time Offers (OTOs) entail so you can determine if any of them align with your specific financial goals.

OTO 1: Done-For-You 10X Profits

Cost: $37 / $27 (One-time fee)

This particular upgrade is tailored for users who wish to extract significantly more revenue from the exact same amount of traffic without the hassle of constantly setting up new links manually.

Rather than settling for a single, one-time commission and then having to start the process all over again, this package grants you access to a completely “done-for-you” monetization ecosystem that continues to operate in the background. This comprehensive package includes a pre-validated offer that comes with guaranteed approval, a professionally tested opt-in page, a fully integrated email follow-up sequence, and detailed walkthroughs that demonstrate exactly how every piece of the puzzle fits together.

The most substantial advantage provided here is the power of leverage. Once you have this system established, your initial clicks have the potential to generate commissions over and over again. This effectively transforms Borrowed Trust Payday into a much more hands-off, 24/7 income-generating machine. It represents a massive upgrade for anyone who is serious about minimizing manual labor and bypassing the frustrating trial-and-error phase.

OTO 2: Borrowed Trust Payday – Viral Money

Cost: $67 / $47 (One-time fee)

The primary focus of this upgrade is on scaling your efforts and compounding your results for greater impact.

This system constructs an automated “double-trust” layer around your promotional links by utilizing multiple highly trusted platforms simultaneously. After your links successfully convert visitors into actual buyers, those individuals are pushed back into trusted environments once more. This effectively allows the system to continue promoting your links on your behalf, without your direct intervention.

As time goes on, this mechanism creates a powerful snowball effect where clicks and conversions can keep rolling in, even during periods when you are not actively managing the system. This upgrade is ideally suited for users who are looking to evolve Borrowed Trust Payday into a long-term, residual-style income setup, rather than just using it as a quick, one-off method.

OTO 3: Guaranteed Buyer Traffic for Life

Cost: $97 / $67 (One-time fee)

This upgrade is designed to completely eliminate the uncertainty often associated with traffic generation.

Instead of relying exclusively on free traffic sources or manual setup methods, you gain direct access to genuine buyer traffic straight from the creators’ own established audiences. These are individuals who have a proven history of purchasing products online, making them significantly more responsive and valuable than the typical “cold” clicks you might get elsewhere.

There are absolutely no monthly subscription fees and no expiration dates on this access—the traffic continues to flow steadily over time. For users who prioritize speed, consistency, and a desire to rely less on learning complex traffic generation tactics, this stands out as one of the most direct and beneficial upgrades in the entire funnel.

OTO 4: Resell Rights

Cost: $67 / $47 (One-time fee)

By securing this upgrade, you are granted the full license to resell Borrowed Trust Payday as if it were your own product, allowing you to keep 100% of the profits generated.

You will not need to worry about creating a product from scratch, managing complex technology, or handling customer support tickets. The creators handle all the backend logistics, while your only job is to send traffic to your unique reseller link and collect the commissions.

This option is perfect for anyone who wants to graduate from being a standard affiliate and step into a vendor-style role without the headache of building a business infrastructure from the ground up.

OTO 5: 6 Figures For The Rest Of Us

Cost: $397 (One-time fee)

This is the flagship, high-ticket coaching program led by Tom E and Max Gerstenmeyer.

It is a comprehensive marketing academy designed for individuals who are ready to build a serious, sustainable online business, rather than just testing out a single method. Members receive structured, in-depth training, daily accountability checks, ongoing coaching support, and live monthly calls—all of which are laser-focused on scaling your efforts toward achieving consistent daily income.

This upgrade is clearly targeted at committed users who desire hands-on guidance, a long-term strategic plan, and direct access to experienced mentors who have been there before.

Who Is Borrowed Trust Payday Designed For?

Borrowed Trust Payday has been specifically crafted for individuals who desire tangible results without the need for selling, dealing with technical overwhelm, or paying for expensive traffic. If any of the following descriptions resonate with your current situation, this system is likely a perfect match for you:

• Complete Beginners: Those who are looking for a straightforward, step-by-step method to start earning money online without needing any prior experience or background knowledge.

• Struggling Affiliate Marketers: Marketers who are successfully getting clicks on their links but are finding it difficult to convert those clicks into actual commissions.

• Sales-Averse Individuals: People who are exhausted by the idea of selling and have no desire to pitch products, film videos, or write high-pressure persuasive copy.

• Non-Technical Users: People who feel completely overwhelmed by the thought of building sales funnels, designing websites, or mastering complicated software tools.

• Budget-Conscious Marketers: Anyone who does not have a budget for advertising and cannot (or simply will not) spend money on paid ads.

• Frustrated Students: Marketers who have been burned by traffic courses that promise the world but fail to deliver on conversions.

• Side-Hustle Seekers: Individuals looking for a low-maintenance income system that can operate quietly in the background while they focus on other things.

• CPA & Offer Promoters: Those who need a trust-based method to effectively “warm up” cold traffic before sending them to an offer.

• Scalability Seekers: Anyone who wants to grow their income potential without simultaneously increasing their costs or operational complexity.

Who Is It NOT For?

Borrowed Trust Payday may not be the ideal solution if you fall into one of these categories:

• You are looking for instant, magical results without being willing to follow the provided instructions.

• You prefer aggressive, high-pressure selling tactics or complex funnel strategies.

• You expect a guaranteed income without putting in the necessary action to set the system up.

If, however, you are searching for a low-cost, beginner-friendly system that prioritizes building trust first—rather than relying on hype or hard selling—Borrowed Trust Payday was built with you in mind.

Frequently Asked Questions (FAQs)

❓ Is Borrowed Trust Payday actually legitimate, or is it just another hype-filled system? Borrowed Trust Payday is a 100% legitimate system developed by Tom E and Marc Gray. It focuses entirely on trust-based conversions rather than aggressive sales tactics. While it does not promise overnight riches, it offers a practical, grounded method based on real human online behavior: people are far more likely to buy when they trust the source of the recommendation.

❓ Do I need to have any prior experience or technical skills to make this work? Absolutely not. The system was built specifically with beginners and tech-challenged users in mind. The training provided is broken down into a step-by-step, click-by-click format, meaning you do not need any previous marketing experience, coding abilities, or technical know-how to succeed.

❓ Will I be required to create videos, build funnels, or write sales pages? No. There is absolutely no selling, no video creation, and no funnel building required on your part. The system is designed to position your links naturally as the next logical step for the user, rather than forcing an awkward sales pitch upon them.

❓ Is paid traffic a requirement for this system? No. One of the most significant benefits of Borrowed Trust Payday is that it utilizes free traffic strategies. You will not need to purchase ads or risk your hard-earned money on uncertain traffic sources.

❓ Can this method work effectively in any niche? Yes. The concept of “borrowed trust” is universal and works across virtually all niches because it is rooted in human psychology and trust, rather than niche-specific hacks or tricks. You can successfully apply this method to affiliate offers, CPA offers, or various other monetization models.

❓ How quickly can I get everything up and running? Most users are able to get the entire system set up in approximately 20 minutes. Once the system is activated, it can run continuously with very minimal ongoing effort required from you.

❓ Are the results guaranteed? No honest system can guarantee specific results, as your success depends on your ability to follow instructions and take consistent action. However, this method has been proven to effectively warm up cold traffic by significantly reducing the skepticism and distrust that usually prevents sales.

❓ What happens if I try it and decide I don’t like it? You are fully protected by a 30-day money-back guarantee. If you are not satisfied for any reason whatsoever, you can simply request a full refund—no questions asked.

❓ Is Borrowed Trust Payday safe for beginners to try? Yes. It is considered one of the most beginner-safe systems currently available because it completely removes the most difficult barriers to entry in online marketing: active selling, paid advertising, and technical complexity.

Final Verdict: Is Borrowed Trust Payday Worth Your Time?

After thoroughly breaking down every aspect of the program, Borrowed Trust Payday stands out clearly as an innovative and highly beginner-friendly alternative to the traditional “Make Money Online” systems that rely heavily on selling, paid ads, or complicated sales funnels. Instead of trying to fight against consumer skepticism head-on, this system works in harmony with human behavior by prioritizing trust above all else—which is precisely the element that most modern marketers are missing.

Created by industry veterans Tom E and Marc Gray, this system keeps everything simple, affordable, and low-risk. With free traffic strategies included, a rapid setup process, and a low one-time price point backed by a comprehensive 30-day money-back guarantee, it is incredibly easy to test out without feeling any pressure.

If you have been generating clicks but seeing zero commissions—or if you are simply tired of overcomplicated methods that fail to convert—Borrowed Trust Payday is definitely worth a serious look.