We recommend a text links! They have been proven the very best by far but for banner lovers, see below. 
Re: the banners to use on you web site. If you right click on the image and save it to your computer then be sure to: 
Link it to the linking code provided by Commission Junction cj.com or your Clickbank code number.
If you have multiple pages try various banners on different pages.  
Add a couple of lines of text underneath.  
Also it has been shown that the lower right hand corner of your web page is the place that gets clicked on - that location has the highest ratio of click-thru to impressions.  
Try it!
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The Best!
We recommend a text link like this:

Bad Credit Unsecured Personal Loans Do you have bad credit?   This program offers 100% guaranteed!  Personal loans for any purpose and a VISA card!   Click here Home ownership is not required.

Use your cj.com linking code or Clickbank code for the hyperlink