How We Make Money

Commission

We partner with a variety of financial product providers, including third-party technology platforms that help us connect you to leading financial products and services. When you find a product through our platform and complete an application or purchase, our partners may pay us a commission. This commission is part of their marketing budget and does not affect the price or terms of the product you choose, ensuring that your needs remain at the centre of our service.

Mintify operates under an Introducer Appointed Representative (IAR) agreement with Creditec Limited who are authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 971164. Creditec receives a commission from credit providers or other credit brokers if you enter into a credit agreement with a lender or broker following an introduction through its website. Mintify will receive a share of the commission that Creditec earns. We do not receive any payment directly from banks, lenders, or financial institutions.

This commercial model allows us to keep the service free to use and does not influence product pricing, availability, or how we rank or present products. Our editorial content and ratings are based solely on independent research and objective product features.

Our revenue model is directly tied to ensuring good customer outcomes. We only receive payment if you successfully complete the transaction, meaning our success depends on helping you achieve the best possible financial outcome for your needs. Browsing, clicking on links, or starting an application does not generate revenue for us, which ensures our focus is always on promoting good customer outcomes rather than simply driving clicks.

Advertising and sponsored content

Mintify allows financial institutions to purchase advertising placements on our platform. These may include:

• Display Ads: Banners or other visual advertisements on our website.
• Sponsored Content: Articles, guides, or video series funded by our partners.

Such content is clearly labeled with disclosures like “Presented by” or “Sponsored” to ensure you can distinguish between editorial and paid material.

Partner prominence in comparisons

In some cases, our partners may pay to feature their products more prominently in our comparison tables. When this happens, the placement is clearly labeled as “Promoted” or “Sponsored.” This arrangement does not impact the objective analysis or reviews of the products. We are committed to providing unbiased, accurate, and trustworthy information based on rigorous criteria.

Affiliate relationships

Mintify partners with third parties to provide additional services, such as eligibility checks and application funnels. Through these relationships, we earn revenue by referring users to these services. This allows us to offer you access to tools that enhance your financial decision-making process.

Our commitment

• Transparency: All commercial relationships are clearly disclosed, and we never allow our partners or other economic interests to influence the content of our reviews or recommendations.
• Independence: Our editorial principles and guidelines ensure that the information we provide is fair and objective, regardless of whether a partner’s product appears on our site.
• Value: The fees we earn help us continue to offer our services free of charge while constantly improving our platform to meet your needs.
• Protection: WWe regularly audit and verify that all our direct partners are licensed and regulated to conduct the business activities they provide through our partnership. To confirm whether the provider you are using is regulated, please refer to the Financial Services Register on the Financial Conduct Authority’s website.