Payday Advance

Do you need a payday advance? Moola can help. We are the instant cash loan experts. We have designed our system so that you can do the entire application online in around 5 minutes and with our unique digital signature technology you don’t need to muck around with something as archaic as a fax.

You can work out how much you want and how much you will owe all up using our sliders, then simply click through a few simple steps and your application is done. Then once we have approved it the money will be in your account within 60 minutes guaranteed!

Moola, fast little loans online so you can get on with life.

Getting ready...

Moola makes fast little loans easy

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Borrow ${{lowestLoanAmount}} to ${{higestLoanAmount}}
We do fast little cash loans so you can get money when you need it. Just use the sliders to design your loan and complete the online application.
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Apply online in under 5 minutes
Forget about annoying meetings and faxing paperwork. Applying for a fast little loan is easy with Moola, wherever you are.
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Get paid real fast
Once we've approved your loan, we'll transfer cash directly to your bank account within 60 minutes, guaranteed.
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No hidden fees and no hassles
With Moola, there are no hidden fees and no small print. We tell you exactly what the costs are before you take the loan out.

We've helped thousands of Kiwis with our fast payday loans

We get that life can be tricky. So that's why Moola makes borrowing money fast and hassle free. Simply apply online and you could have up to ${{higestLoanAmount}} in your bank account within 60 minutes.

How payday loans work

1
Design your payday loan. You decide how much money you want and when you want to repay it.
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Fast and simple online application. Just apply online - whether you're on the go, at work, or from the comfort of your home.
3
Get a decision. Once you've applied, we may contact you to verify the details you've provided in your application. Then you'll get a decision.
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Once approved, your loan will get paid fast. Once approved, your money is transferred within 60 minutes.

FAQs

How do I apply for a Moola loan?
We have developed a state of the art system that means you can do everything to apply online. First you can use our online calculator to work out how much you want, how much it will cost in total and when you can pay it back, then it will take you about five minutes to fill in our online application form. Using our digital signature technology you can even sign the application without having to print or fax any documents. After you have applied we will request to see your last 6-8 weeks statements if this is your first loan, for most of you this again will be an online process that takes less than two minutes. Then all you have to do is inform your employer or payroll officer and we will do the rest. With Moola the application process is quick and clear.
Why would I need a Moola loan?
Moola loans are for people who are experiencing temporary cash flow problems between paydays. Life is full of unscheduled surprises and Moola loans are designed to help people pay for unexpected bills or cheap plane tickets when they need to rather than when they can.
Why do you contact my payroll?
Contacting your payroll officer or employer speeds up the process. We need to confirm and verify your details with them and if you have contacted them this will make the process quicker. We will not tell them how much you are borrowing or any other details.

Any delays in contacting your payroll officer or employer will slow down the loan process. We need to confirm these details and will never approve a loan application without contacting your payroll officer or employer.

We take fraud very seriously and these checks ensure that no one else is using your details to fraudulently obtain a loan.
How much can I borrow?
There are several factors that control how much you can borrow from us, we take our responsibility as an honest and fair lender seriously and want to ensure that you can easily pay your loan back on time. As a policy we only let you borrow an amount where repayments will be less than 30% of your net pay per period. If you are a new customer we limit your first loan to ${{Config.MaximumLoanAmountNewCustom}} and after that you could take up to a maximum of ${{Config.MaximumLoanAmountExistingCustom}}. Use our online calculator to work out how much you can borrow and how much it will cost all up. Moola makes it clear and fair.
How much will it cost?
With Moola there are no hidden costs, no small print and no nasty surprises. Using our online calculator you can work out how much you can borrow, the total cost of the loan and the repayment schedule. This means that before you apply you can see the total cost including our fees and the interest charged. For more information please look at our fees page.
What happens if I miss a payment?
If you do not think you will have enough money in your account for the direct debit then contact us on 0800 003 011 immediately to stop it. You need to contact us at least 24 hours before the due date. Any later and we will not be able to stop it and you will be charged for a failed payment.
What is Moola's criteria?

Our standard criteria are:

  1. You must be over 18.
  2. You must be a New Zealand citizen or resident.
  3. You must not be bankrupt.
  4. You need to be in ongoing employment, we don’t lend to self-employed or beneficiaries.
  5. You need an active bank account that your pay gets credited into on regular paydays.
  6. You need access to a computer as the application process is 100% online.
  7. You need an active email account.
  8. You must own a cell phone.
  9. You must complete the online application.
  10. You must pass our employer checks.

If you meet these then chances are you will be approved, though Moola reserves the right to decline an application for other reasons.

How do I repay my loan?
We have made repayment easy. The money will be taken out of your bank account by direct debt overnight the night before your dated instalment according to the repayment schedule you have chosen. You just need to make sure that the money is in there on the specified day/s and leave the rest up to us. Remember that if there is not enough money in your account you will incur default fees due to the cost of failed collection. For more information on dishonouring your loan please see our Fees page.
Does Moola do top ups?
No, unfortunately we do not approve top ups on our loans, so you cannot add any additional funds to your existing loan.
View all FAQs
Contact us 0800 003 011
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Quick and Easy, friendly service, good communication and transparent. I found interest rate to be lower to that of another service I have used in the past.

Great help and service. Thank you very much. Quick and easy service and an amazing team.