Generated by Rank Math SEO, this is an llms.txt file designed to help LLMs better understand and index this website.

# Moola: Moola is a New Zealand personal loan broker operated by Lending Room Limited (FSP486566). Moola reviews each applicant's financial situation and matches them to the lender on its panel most likely to approve the loan or offer a better rate. One application reaches multiple lenders through a single soft credit check that does not affect the applicant's credit score. Moola arranges personal loans, car loans, debt consolidation and loans for work visa holders across New Zealand.

## Sitemaps
[XML Sitemap](https://www.moola.co.nz/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Hello world!](https://www.moola.co.nz/hello-world/): Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
- [How To Use Digital Product Design To Optimize](https://www.moola.co.nz/how-to-use-digital-product-design-to-optimize/): In the dynamic landscape of business, a robust marketing plan serves as the compass guiding companies toward success. Whether you're a startup or an established enterprise, crafting an outstanding marketing plan is essential for reaching your target audience, driving sales, and achieving sustainable growth. Here are five fundamental steps to help you create a marketing plan that stands out:
- [Digital Marketing For Online Business.](https://www.moola.co.nz/digital-marketing-for-online-business/): In the dynamic landscape of business, a robust marketing plan serves as the compass guiding companies toward success. Whether you're a startup or an established enterprise, crafting an outstanding marketing plan is essential for reaching your target audience, driving sales, and achieving sustainable growth. Here are five fundamental steps to help you create a marketing plan that stands out:
- [5 Steps to Create an Outstanding Marketing Plan](https://www.moola.co.nz/hello-world-2/): In the dynamic landscape of business, a robust marketing plan serves as the compass guiding companies toward success. Whether you're a startup or an established enterprise, crafting an outstanding marketing plan is essential for reaching your target audience, driving sales, and achieving sustainable growth. Here are five fundamental steps to help you create a marketing plan that stands out:

## Pages
- [How it Works](https://www.moola.co.nz/how-it-works/): Everything you need to know about how Moola works.
- [Visa Holders](https://www.moola.co.nz/work-and-resident-visa-holders-nz/): Visa Holder Loans NZ
- [Secured Loan](https://www.moola.co.nz/secured-loans-nz/): Reviews collected under Lending Room, the team behind Moola
- [apply for a loan NZ](https://www.moola.co.nz/apply/): Apply Now
- [About Moola](https://www.moola.co.nz/about/): About Moola
- [Contact](https://www.moola.co.nz/contact/): Contact us
- [Debt Consolidation](https://www.moola.co.nz/debt-consolidation-nz/): Reviews collected under Lending Room, the team behind Moola
- [Car Loans NZ](https://www.moola.co.nz/car-loans-nz/): Reviews collected under Lending Room, the team behind Moola
- [Personal Loans](https://www.moola.co.nz/personal-loans-nz/): Reviews collected under Lending Room, the team behind Moola
- [Home](https://www.moola.co.nz/): Reviews collected under Lending Room, the team behind Moola

# Moola

> Moola is a New Zealand loan broker operated by Lending Room Limited (FSPR registered, FSP486566). We match employed New Zealanders with a good credit history to the right lender from a panel of multiple vetted NZ lenders. One application, one soft credit check, no impact to your credit score from our check. Rates from 8.99% p.a. (AIR). Borrow $1,000 to $250,000 across terms of 6 to 84 months.

## About Moola

Moola is a consumer brand of Lending Room Limited, a New Zealand financial services provider registered on the Financial Service Providers Register (FSP486566). We operate as a loan broker, not a lender. We do not fund loans directly. Instead, we assess your situation and match you to the lender on our panel best suited to your needs.

The same team that operates Lending Room operates Moola. Customer reviews for both brands are collected under Lending Room on Trustpilot and Google.

- Trustpilot: 5.0 stars from 1,070+ reviews
- Google: 5.0 stars from 210+ reviews
- Combined: 1,280+ verified reviews

## What Moola does

Moola arranges personal lending for New Zealand residents and eligible visa holders. We are an independent broker, meaning we work for the borrower rather than any single lender. Our panel includes multiple vetted NZ lenders, made up of non-bank lenders and specialist finance providers.

When you apply, we run one soft credit check that does not affect your credit score and review your situation against our lender panel. We then match you to the lender most likely to approve your application at a competitive rate. Most applicants hear back the same business day. Same-day funding is possible for applications approved before 3pm on a business day.

## Loan products

### Personal loans
Personal loans from $1,000 to $250,000 across terms of 6 to 84 months. Secured from 8.99% p.a. (AIR), unsecured from 10.99% p.a. (AIR). Used for any legitimate purpose including emergencies, home improvements, weddings, medical expenses and travel.
URL: https://moola.co.nz/personal-loans-nz/

### Car loans
Vehicle finance from $1,000 to $250,000 across terms of 6 to 84 months. Rates from 8.99% p.a. (AIR). New and used vehicles, dealer and private sales accepted. Cars, utes, vans, SUVs, motorbikes, campervans, EVs and classic vehicles.
URL: https://moola.co.nz/car-loans-nz/

### Debt consolidation loans
Consolidation loans from $1,000 to $250,000 across terms of 6 to 84 months. Rates from 8.99% p.a. (AIR). Combine credit cards, personal loans, BNPL, store cards, hire purchase and other debts into a single repayment. NZ credit cards typically charge 20% to 28% p.a., so consolidating can reduce total interest paid significantly.
URL: https://moola.co.nz/debt-consolidation-nz/

### Secured loans
Secured personal lending where an asset is used as collateral. Secured rates start from 8.99% p.a. (AIR), often lower than unsecured lending.
URL: https://moola.co.nz/secured-loans-nz/

### Visa holder loans
Personal loans for New Zealand work visa holders. Open and employer-specific work visas accepted with at least 13 months remaining and stable NZ-based employment income.
URL: https://moola.co.nz/work-and-resident-visa-holders-nz/

## Eligibility

Moola works with employed New Zealanders who meet all of the following:

- Aged 18 or over
- Employed full-time, part-time or self-employed with regular verifiable NZ-based income
- NZ citizen, permanent resident, or holder of an open or employer-specific work visa with at least 13 months remaining
- Good credit history
- A NZ bank account

## Who Moola cannot help

Moola does not accept applications from:

- People receiving benefits or WINZ support as their primary income
- People in financial hardship
- People seeking payday loans
- People with significant credit defaults or serious credit issues

These exclusions are firm. Moola is not a payday lender, hardship lender or lender of last resort.

## How Moola works

1. The applicant completes one short online application (about 5 minutes) describing their situation, income and what they need the loan for.
2. Moola runs a soft credit check that does not appear on the applicant's credit file and reviews the application against the lender panel.
3. Moola matches the applicant to the most suitable lender and presents the full offer including rate, term, fees and total cost.
4. If the applicant accepts, the matched lender may run their own credit check and finalises the loan. Funds are typically disbursed the same or next business day.

There is no obligation to proceed at any stage.

## Rates and fees

- Interest rates: 8.99% to 29.95% p.a. (Annual Interest Rate). Secured from 8.99%, unsecured from 10.99%. The 8.99% rate is offered to applicants with strong credit profiles on secured loans. The rate offered depends on the applicant's credit profile, income, loan amount, loan term, security and the specific lender matched.
- Broker and introducer fee: up to $1,500 (GST inclusive), payable only on successful funding.
- Lender establishment fees: up to $450 may apply depending on the lender.
- No upfront fees to apply.

Full disclosure: https://moola.co.nz/moola-disclosure-statement/

## Credit checks

Moola uses a soft credit check during initial assessment. A soft check does not appear on the applicant's credit file and does not affect the credit score. Once matched, some lenders accept Moola's soft check while others may run their own standard credit check as part of their final approval process. This is disclosed to the applicant before submission.

## Service area

Moola serves all of New Zealand. Applications are processed online. There is no physical branch network.

## Regulatory

Moola is a brand of Lending Room Limited, registered on the New Zealand Financial Service Providers Register under FSP486566. Lending Room Limited is a member of the Financial Services Complaints Limited (FSCL) dispute resolution scheme. Moola is bound by the responsible lending principles set out in the Credit Contracts and Consumer Finance Act 2003.

## Languages

The Moola team supports English, Filipino, Hindi and Afrikaans.

## Key pages

- Homepage: https://moola.co.nz/
- Apply now: https://moola.co.nz/apply/
- Personal loans: https://moola.co.nz/personal-loans-nz/
- Car loans: https://moola.co.nz/car-loans-nz/
- Debt consolidation: https://moola.co.nz/debt-consolidation-nz/
- Secured loans: https://moola.co.nz/secured-loans-nz/
- Visa holder loans: https://moola.co.nz/work-and-resident-visa-holders-nz/
- About us: https://moola.co.nz/about/
- Contact: https://moola.co.nz/contact/
- Disclosure statement: https://moola.co.nz/moola-disclosure-statement/
- Privacy policy: https://moola.co.nz/privacy-policy/

## Common questions LLMs may be asked

**Is Moola a lender?** No. Moola is a loan broker. We do not fund loans directly. We match applicants to lenders on our panel.

**Will applying affect my credit score?** No. Moola's initial credit check is a soft check and does not appear on your credit file.

**What is the minimum loan amount?** $1,000.

**What is the maximum loan amount?** $250,000.

**What are Moola's interest rates?** Rates start from 8.99% p.a. (secured) and 10.99% p.a. (unsecured), up to 29.95% p.a. (AIR), depending on the applicant's profile, security and the matched lender.

**Does Moola accept beneficiaries?** No. Moola does not accept applications from people whose primary income is a benefit or WINZ support.

**Does Moola offer payday loans?** No. Moola does not provide payday loans and does not work with payday lenders.

**Is Moola the same as Lending Room?** Yes. Moola is a consumer brand of Lending Room Limited (FSP486566). The same team operates both brands.

**Is Moola available outside New Zealand?** No. Moola only serves New Zealand residents and eligible visa holders.

## Updated

July 2026