Spotting a scam
Nine signals that separate a legitimate provider from an operation that will take your money — plus exactly where to check a company and where to report one.
Free, secure, no obligation
Looking for a personal loan? Let's see what fits.
Answer a few short questions and we check offers from participating lenders first. If a different kind of help would suit your situation better, we tell you plainly — and you decide what happens next.
We check loan offers first, and tell you plainly if something else fits better.
- Offers from participating lenders, with rates and terms shown up front by each lender
- If debt relief, tax help or business debt help fits better, we say so — it is not a loan, and we explain the difference
- You choose the provider, or choose none
- 4 kinds of help, one set of questions
- ~3 min to see your options
- $0 what this costs you, ever
- 1 provider, only after you choose them
Three simple steps
Three steps, no pressure
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Tell us what you need
How much, what for, and a few questions about your situation. A few minutes, no account numbers.
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We check for a fit
Participating lenders first. Then, if your answers point to it, an independent debt, tax or business debt provider — including where you live.
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You decide
If there's a match, you choose whether to be connected. Nothing is shared until you say so.
What you'll see
One set of questions. Every offer, side by side.
If participating lenders make offers, your results page lays them out in the same four columns, so you can compare like with like before you click anything. Each offer is the lender's own, shown with its own terms.
If no lender makes an offer and your answers point to a different kind of help — debt relief, tax help, business debt help — the page says so in plain words, explains that it is not a loan, and names the provider before you decide anything.
- Lender
- The participating lender making the offer, named. If you have never heard of them, look them up before you continue.
- Amount
- How much that lender is offering, which may be less than you asked for.
- APR
- The yearly cost of the loan including fees, shown by each lender for its own offer. Not a rate we set.
- Term
- How many months you would have to repay it, and the monthly payment that works out to.
Where the questions can lead
You do not have to pick. The questions sort it out.
Start with the loan questions above and we work out which of these fits. Or, if you already know, go straight to the one you need.
What we hold ourselves to
The things a company in this business does not usually put in writing
We are a new company, and a matching service holds no license and quotes no volume figures. So instead of borrowing someone else's credibility, here is exactly how we operate. Every one of these is something you can check as you go through the site.
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One provider. Never a list.
Your details go to the single provider you pick by name and consent to. We do not auction contact details, and we do not sell to aggregators.
How your information is handled → -
We publish what we are paid
Providers pay us, sometimes per introduction and sometimes on enrollment. The whole arrangement is written out, including where our interests and yours come apart.
Read the compensation disclosure → -
The trade-offs are on the screen
Credit impact, fees, what a program cannot do — next to the button, not in a footer. If an option is wrong for you, the page says so.
What settlement does to your credit → -
No match means no lead sold
If nothing fits, you get a page that says so and points you at free help — nonprofit credit counseling, IRS payment plans, legal aid. We are paid nothing for that outcome, and the site is built so it happens whenever it should.
See the free resources →
Our name, our promise Faith based.
Faith based.
People focused.
Purpose driven.
Mannah takes its name from the provision that arrived each morning — enough for the day, for everyone, with no one left out.
That is the standard we hold ourselves to. We explain things in plain language, we show you every disclosure where you can read it, and we never pressure you toward a decision. Whatever you believe, you will be treated with dignity here.
- Honesty — we say what we are (a matching service) and what we are not.
- Stewardship — we only pass your information along when you choose a provider.
- Neighborliness — real help for the person in front of us, one at a time.
Security and trust
Built to protect what you share
Encrypted connection
Every page is served over HTTPS with modern encryption, and your answers are transmitted the same way. Sensitive details go directly to the provider and are never stored by Mannah.
Clear disclosures
We are a matching service, and we may be paid by the providers we connect you with. That is written plainly on every page, not buried in a footnote.
Privacy focused
Your information is shared only with a provider you choose, only after you say so. You can read our Privacy Policy or opt out of sharing at any time.
Before you decide anything
All guides Read up first. It costs nothing and changes the conversation.
IRS notices, decoded
CP14, CP501, CP504, LT11, CP90 — what each one is, what the deadline actually is, and which ones mean you need to act this week.
The four options, side by side
Four different things get sold under the word 'relief'. Here is what each one actually does to your balance, your credit and your monthly payment — and who each is genuinely for.
Good to know
Common questions
What is Mannah Financial?
A matching service. We are not a lender, debt relief provider, or law firm. We connect you with independent providers and may be paid by them if you choose one. That never changes what you pay.
Is it really free?
Yes. Checking your options costs nothing and does not obligate you to anything. Any fees are charged by a provider you choose, and they must tell you about them first.
Will I definitely get a loan offer?
No, and nobody can promise you one. Participating lenders decide for themselves. If none makes an offer, your results page says so and, where your answers point to it, shows a different kind of help — with a plain explanation that it is not a loan.
What if a loan is the wrong answer for me?
Then we say so. Two of the questions ask about your existing debt for exactly this reason. Someone carrying a large unsecured balance is often better served by a debt relief provider than by borrowing more, and the results page explains that choice and its trade-offs before you decide.
What happens to my information?
It stays with us until you choose a provider on your results page and check the consent box for that provider. Only then is it shared, and only with them. On the personal loan path a Social Security number is passed straight to the loan marketplace and never stored by us.
Do I have to be a person of faith?
No. Our values shape how we treat people; they are not a requirement. Everyone is welcome here.
- About 3 minutes
A short set of questions, no paperwork to start.
- Encrypted connection
Your answers travel over a secure, encrypted link.
- Clear from the start
Plain words. Every disclosure where you can see it.
- People first
No pressure, no obligation. You decide what happens next.
Ready to see your options?
A few questions, a few minutes, and a clear answer.