We make borrowing cash simple and fast.


See how simple it is.

Design your loan


How much do you need?


2 days

How long do you need it?

170 days


Interest & fees

Weekly Payments




*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Why choose Moola?


Borrow $100 to $5,000 from 2 to 170 days.


Apply in under 5 mins, get cash in 60 mins or less.


We tell you all the costs and don’t hide fees.

How it works

your loan
Choose how much you want and how long you want it for, and we’ll tell you how much you need to pay back.
Loan application
& processing
It takes five minutes to apply online. Once we’ve received this, we’ll run some checks on the information provided in order to approve your loan.
Cash paid
in 60 mins
Once your loan is approved, cash is immediately transferred to your account and usually available within 60 minutes.
made easy
Your repayment schedule will show when and how much, and to make things even easier, we set up a direct debit so you don’t have to do a thing.

What you need

Be connected

You must have a cell phone, email address and computer access as we’re a 100% online loan provider.

Be employed

You must be in ongoing employment and not bankrupt. We don’t lend to self-employed or beneficiaries.

Have a bank account

You must have an active bank account where your pay gets credited into on regular paydays.

You must also be over 18, a New Zealand citizen or resident and pass our employment checks, as we can only offer credit to people who meet our standard criteria.

Apply Now

What people say

Still need help?

Check our FAQ

See answers to questions of how to use Moola.

Live chat

Chat to us during business hours to get an answer on the spot.

Call us

Call us on 0800 003 011 Monday to Friday, 8am - 4:30pm.