*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?

Flexible

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

Fast

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

Upfront

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

How it works

Design
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.

Repayments
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

We make borrowing cash simple and fast.

IT JUST TAKES FIVE MINUTES TO APPLY

Design your loan

Why choose Moola?

Flexible

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

Fast

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

Upfront

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

How it works

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.

What people say

Great Experience

“Excellent and great experience”

Deborah Pitout

Very impressed

"Urgently needed cash on the day. Couldn't get a loan anywhere else because of credit rating. Applied and got the money the same day!"

Trusted Customer

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.

Useful Information

Need Help?

Call us on 0800 003 011

Call us on 0800 003 011