Auckland Loans

The Advantages of Online Loans for Auckland & Christchurch Residents

We do so much of our business online these days – grocery shopping, booking optician appointments and flights, making investments and so on that it’s only natural apply for credit online too. Applying for finance online is really convenient but it has lots of other advantages too. Here’s just a few.

You can apply for your loan any time

You don’t have to schlep across Auckland to your bank at a really awkward time of day. You can be kicking back, watching your favourite show or running a deep bath. As long as you know your financial ins and outs, the forms are a cinch to fill out, especially if you go with a provider like Moola, which has forms that take just minutes to complete.

It’s very quick loan process

The application process takes just a few minutes, although you should have done some thinking beforehand, to make sure the loan is right for you.

Applying online is very discreet

No-one wants to be seen walking into the bank or into a payday loan shop; if necessary, you can be the only person who knows anything about the loan.

You can apply at any time of day

At 2.00am or on Christmas Day if you need to. Of course, it may not be processed until the next working day, but you’ve done your part without waiting around for a physical appointment. Your lender should have its processing times on the website.

It’s very secure & fast loan

Online lenders are bound by strict responsibility codes, just as much as the big banks. You can be sure that your online application is being handled by a respectable dealer. All of your responses and data are held very securely and won’t be sold on.

You have access to the latest fintech

You could be able to use a digital signature which is much safer than a regular, forgeable version. There’s also the option to link your loan to your online banking so that the lender won’t take the repayment if there’s no enough money in the account. You still have to pay ASAP, of course, it’s just that you won’t go overdrawn or have failed direct debits, which usually have charges applied.

More personalised lending decisions

Online creditors use algorithms that use lots of data points so you can be certain that the decision is right. There’s no “feeling” about you involved so even if you’re declined, it’ll be the right decision. This technology is improving all the time so your risk level assessment will be accurate and you’ll be less likely to get into trouble.

Online loans are not quite instant, but almost The decision is usually made within an hour and the money can be transferred in under ten minutes with some New Zealand credit providers like Moola.
See how simple it is.
Getting ready...

Why Choose Moola?

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Flexible
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fast
Fast
Apply in under 5 mins and you could get cash within 60 mins.
upfront
Upfront
We tell you all the costs and don’t hide fees.

What You Need

be-connected
Be connected
You must have a cell phone, email address and computer access as we’re a 100% online loan provider.
employed
Be employed
You must be in ongoing employment and not bankrupt. We don’t lend to self-employed or beneficiaries.
bank-account
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 and pass our employment checks along with other standard criteria here.

What people say

REALLY QUICK AND EASY
"It happens as quickly as they say - 1hr and plenty of communication ensure I know what's happening. Polite and friendly staff."
Clare Wade
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
ALWAYS 100% HAPPY
"Always had a great experience, from returning for loans to them being very flexible with my repayments."
Ngareta Taviliniu
Sorted
"All problems and queries were sorted out in a timely fashion."
Rex Wilson
Prompt
"Very prompt service. Awesome :) would definitely tell others."
Nikki Williams
Fast and quality service
"Fast and quality Service. No dodgy business."
Trusted customer
Great experience
"Excellent and quick service."
Deborah Pitout
Very helpful
"Very helpful, Moola staff went above and beyond to make my loan happen. Thanks so much:)"
Dean Straker
Fast!
"Fantastic and very fast service, very happy."
Kurt Weber
Hassle free
"Couldn't off been easier excellent service answered all my questions."
Ross Swensson
Super service from a super team
"The team were very helpful and fast as always. I’m very grateful to everyone who’s helped me at Moola. They always give a top effort."
Ross Swensson