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Compensation disclosure

How we get paid

Free services are never free. Somebody pays, and you are entitled to know who, when, and how much that changes what you are shown. Here is the whole thing.

The short version

You pay us nothing, ever. We are paid by the independent providers we introduce you to, and only when an introduction actually reaches them and meets their criteria. We are not paid for you filling in a form, we do not sell your details to more than one company, and a provider's fees to you are the same whether you found them through us or on your own.

When money changes hands

There are four points in the journey. We are paid at some of them and not others, and it differs by provider.

  1. You answer the questions

    We are paid: Nothing

    We are paid nothing for a form, a visit, or a completed questionnaire. There is no market for "somebody looked at a page", and if there were we would not sell into it.

  2. You choose a provider and consent

    We are paid: Sometimes a fixed fee

    When you tick the box for a named provider, we introduce you. Some providers pay a fixed fee per introduction that meets their criteria — the industry calls this pay-per-lead. If they reject the introduction, we are paid nothing.

  3. You speak to that provider

    We are paid: Sometimes a fixed fee

    Some providers pay for a connected phone call that lasts past a minimum length instead of paying for the introduction. Either way it is one fee, from one provider, once.

  4. You enroll in a program

    We are paid: Sometimes a percentage

    A few providers pay a percentage of what they earn if you go ahead and enroll. This is the arrangement with the most obvious conflict in it, which is why it is named here and why the trade-offs of enrolling are on the screen before you get anywhere near it.

How much

Our agreements with providers are confidential, which is normal in this industry and also convenient for it, so treat the following as the honest shape rather than a price list. A per-introduction fee in this category is typically a double-digit dollar amount — tens of dollars, not hundreds and not cents. An enrollment arrangement is either a low single-digit percentage of the debt you enroll, paid once your first program payment clears, or a flat fee in the low hundreds. On the personal loan path, the marketplace that shows you offers pays us for the introduction and, with some lenders, if you take a loan — never as a fee added to your loan. Nobody is paying us thousands of dollars for your phone number.

What that scale means in practice: we cannot make a living on one desperate person. We can only make a living on a lot of people who were matched to something that actually fit and did not cancel in week three. That is not a moral achievement, it is just how the arithmetic runs — but it does mean our interests and yours point the same direction more often than you might expect.

Where our interests and yours come apart

In three places, and we would rather name them than let you find them.

  • Order. Among providers who genuinely fit your situation, what they pay influences which one we show first. Fit is the filter; payout is the tie-break.
  • Enrollment. Where a provider pays on enrollment, we do better if you enroll — including in cases where waiting, or doing nothing, or calling a nonprofit counselor would have served you better. The guides in our resources section are written specifically to tell you when that is true.
  • Thresholds. Most debt providers will not take an introduction under about $10,000 of unsecured debt, so we have no economic reason to be interested in smaller balances. We still tell people under that line what their free options are, because the alternative is a page that pretends they do not exist.

What we do not do

  • We do not sell your contact details to multiple buyers, or to a lead aggregator.
  • We do not rent, sell, or trade our list for marketing by anyone else.
  • We do not pass anything to a provider before you name them and consent to them.
  • We do not take a fee from you, add a fee to a provider's price, or mark anything up.
  • We do not accept payment to describe a provider more favorably than it deserves.

Common questions about this

Does it cost me anything to use Mannah Financial?
No. Answering the questions and seeing your options is free, and it does not obligate you to anything. We are paid by providers, not by you.
Do I pay more because a provider paid you?
No. A provider's fees are the same whether you reach them through us or walk in the front door. Marketing cost is something they carry, not something added to your bill.
Do you show the provider who pays you the most first?
Fit comes first: what you owe, where you live, whether you are behind, and what that provider actually works with. Among providers who genuinely fit, what they pay does affect the order. We would rather say that plainly than claim an objectivity we do not have.
Do you sell my information to multiple companies?
No. Your details go to one provider — the one you choose by name and consent to on the results page. We do not run an auction on your contact details, and we do not sell our list to anyone.
What happens if I do not qualify for anything?
You see a page that says so, with free resources such as IRS payment plans and nonprofit credit counseling. No lead is sold, and we are paid nothing.

If something on this page does not match what you experienced on the site, that is a problem we want to hear about. Write to [email protected] and quote the page you were on.

Now that you know who pays us

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