Comparison

Pay per lead vs retainer: the honest comparison

We sell pay-per-lead, so take this with that in mind. But a retainer is genuinely the better choice for some brokers.
  • Exclusive
  • No lock-in
  • No ad spend
Pay per leadAgency retainer
Upfront costNone – pay per leadMonthly retainer, plus ad spend
ContractNo lock-inOften 3–12 months
Who carries ad riskUsYou
Lead ownershipExclusive to youExclusive to you
Control over campaigns & brandLimited – our campaignsFull – your brand, your ads
Builds your own brandNoYes
Predictable cost per leadYes, fixedVaries month to month
Time to first leadDaysWeeks to months

When a retainer makes sense

If you want to build a recognisable brand, own your ad accounts long term and have the budget to absorb a few slow months, a good agency can be worth it.

When pay per lead makes sense

If you want predictable costs, no risk on ad spend and leads this month rather than next quarter, pay per lead wins. Many brokers run both.

See our pricing or are bought finance leads worth it?

Start with your first batch this week

From $120 + GST per lead. No contract. No retainer. Pause anytime.

Order Leads — from $120 + GST