09 928 6800
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About Moola

We started because
getting a loan in NZ
was harder than
it needed to be.

Moola is powered by Lending Room — an Auckland-based, FSPR registered loan broker helping New Zealanders find better loan deals without the credit score damage that comes from applying to multiple lenders. One application. One soft check. The right match.

Apply in 5 Minutes Get in Touch
FSPR Registration FSP486566
Office Level 8, 57 Fort St, Auckland
Phone 09 928 6800
20+ Vetted NZ lenders on our panel
4.9 Average rating across Trustpilot & Google
1,190+ Customer reviews
$0 Upfront cost to use our service

Why we started

The problem we set out to solve

Getting a loan in New Zealand had a hidden problem. Every time someone applied to a lender — even just to check their options — it left a hard mark on their credit file. Apply to three lenders in a week and your score drops before you have borrowed a cent. Get declined once and the next lender can see it.

Most people did not know this was happening. They were simply trying to find a better rate or a lender that would actually say yes. The system was working against them.

Moola — powered by Lending Room — was built to fix that. We act as a broker on your behalf, running one soft credit check that does not affect your score, then matching you to the lender on our panel most likely to approve your application at a competitive rate. You get a better result. Your credit stays clean.

"We run one soft check. Your credit stays clean. You get a better match."
One soft credit check We never run a hard credit check during our assessment. Your score stays exactly where it is, regardless of the outcome.
20+ vetted NZ lenders We have built relationships with the right lenders — mainstream, specialist and non-bank — so we can match you to the best option for your situation.
FSPR registered — FSP486566 We are registered on the Financial Service Providers Register and operate in accordance with the Responsible Lending Code.

Our mission

Better loan outcomes for every New Zealander

Six principles that guide every application we handle — not aspirational statements, but the way we actually work.

Protect your credit score Every application uses a single soft credit check. Your credit profile stays clean throughout the entire process, regardless of the outcome.
Serve all of New Zealand We serve all New Zealanders — citizens, residents and eligible visa holders. Our team speaks English, Tagalog, Hindi and Afrikaans.
Find better rates We compare lenders to find the most competitive rate for your situation — not the rate that is easiest for us to place. We work for you, not the lender.
Be transparent No hidden fees, no surprises. We tell you exactly what fees apply, which lender we are submitting to, and what their credit check process involves.
Lend responsibly We are a Responsible Lending Code member. We only match borrowers to lenders when a loan is genuinely suitable for their financial situation.
Move fast Same-day assessments, same-day funding where possible. When you need finance, waiting weeks for a bank decision is not good enough.

Our values

What we stand for

These are not aspirational statements. They are the principles that guide every application we handle.

01
Borrowers first We are paid by lenders, but we work for borrowers. Our job is to find you the best match available — not to place you with whoever pays us the most. If no lender on our panel is right for your situation, we will tell you that too.
02
No unnecessary credit damage Protecting your credit score is not just a feature — it is a core principle. We will never submit your application to a lender without telling you exactly what their credit check process involves first.
03
Plain language, always Finance can be confusing. We explain everything in plain language — fees, rates, terms and the process — so you know exactly what you are agreeing to before you commit to anything.
04
Responsible lending We are a Responsible Lending Code member. We take that seriously. We do not match borrowers to loans that are not suitable for their financial situation, regardless of whether a lender would approve it.
05
Inclusion New Zealand is diverse and so are the people who need finance. We work with visa holders, people from a range of cultural backgrounds and communities that are often underserved by mainstream lenders.

Languages we speak

We speak your language

New Zealand is home to people from all over the world and navigating finance in a second language is harder than it needs to be. Our team speaks English, Filipino (Tagalog), Hindi and Afrikaans — so you can ask questions, understand your options and make confident decisions in the language you are most comfortable in.

If you would prefer to speak with someone in your language, let us know when you apply or call us on 09 928 6800.

Apply in 5 Minutes
🇳🇿 English Primary language Primary
🇵🇭 Filipino Tagalog — spoken by our team Available
🇮🇳 Hindi Spoken by our team Available
🇿🇦 Afrikaans Spoken by our team Available

Regulated and accountable

You are in safe hands

Moola is powered by Lending Room — a registered, regulated and responsible financial service provider operating in accordance with NZ law.

FSP486566
FSPR Registered Lending Room is registered on the Financial Service Providers Register under FSP number FSP486566. You can verify our registration at fsp.govt.nz at any time.
RLC Member
Responsible Lending Code We are a Responsible Lending Code member and only match borrowers to loans that are genuinely suitable for their financial situation. We never place loans we would not be comfortable explaining.
256-bit
SSL Secured All data submitted through our site is encrypted and transmitted securely. Your personal and financial information is always protected and never shared without your consent.
No hidden fees
Full disclosure All fees, rates and lender credit check processes are disclosed before you proceed. There are no hidden costs or surprises at settlement. You are always free to walk away at any stage.

Real reviews

What our customers say

4.9
1,190+ reviews across Trustpilot & Google

"Honestly the easiest loan process I have ever been through. One form, they came back to me the same day and I had funds in my account the next morning. Highly recommend."

Sarah M. Trustpilot

"I was worried about my credit score but they explained everything clearly. The soft check meant no impact to my file. Got a great rate through one of their lenders — much better than what my bank offered."

James T. Google

"As a visa holder I thought getting a loan in NZ would be impossible. The team at Moola helped me through it in my language and found me a lender that works with visa holders. Absolutely outstanding service."

Priya K. Trustpilot
Read reviews on Trustpilot Read reviews on Google

Get started today

One application. Better rates. Protected credit score.

Fill in one form and our team will match you to the lender most likely to get you a better deal. No obligation, no upfront cost, no credit score impact from our check.

Apply in 5 Minutes Get in Touch

Soft credit check only — no score impact. Broker fee of up to $1,500 applies on successful funding. Moola is powered by Lending Room, FSPR registered FSP486566.