Moola is a loan broker, not a lender. You fill in one form and we match you to the lender on our panel most likely to get you a better deal — with one soft credit check and no obligation to proceed.
Tell us how much you need, what it is for, and a bit about your situation. The form takes about 5 minutes. We do not ask for unnecessary information at this stage — just enough to assess and match you to the right lender.
Once you have submitted, we run a soft credit enquiry to assess your application. A soft check does not affect your credit score — unlike applying directly to a lender, which leaves a hard mark every time.
We review your application against the criteria of the lenders on our panel and identify the one most likely to approve your loan at a competitive rate. We do not blast your application to every lender — we make a considered match based on your specific situation.
One of our team will call or email you about your loan approval. We explain the terms clearly, answer your questions, and make sure you understand exactly what you are agreeing to before proceeding further.
There is no obligation at any stage. If the approval works for you, we will guide you through right to settlement. If you are not happy with the terms, talk to us — we can work through what other options may be available to you.
Every time you apply directly to a lender, they run a hard credit enquiry. This appears on your credit file. If you apply to five lenders in a row and get declined, you end up with five hard marks on your file — which makes future approvals harder and can push up the rates you are offered.
Moola runs a soft credit check during our assessment. A soft check does appear on your credit file but does not affect your score and cannot be seen by other lenders. Once we submit to a lender, some accept our soft check while others may run their own standard check as part of their approval process.
Everything you need to know about how Moola works.
Apply nowFill 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.
