Moola
Moola is a New Zealand digital loan broker operated by The Lending Room Limited that matches consumer borrowers to a panel of 20+ vetted NZ lenders via a single soft-credit-check application, serving employed Kiwis, vehicle buyers, debt consolidators and work-visa holders with loans from $1,000 to $250,000.
- Company typePrivate
- Founded2013
- HeadquartersChristchurch, New Zealand
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Moola does
Moola is a New Zealand-based digital loan broker, not a lender, operated by The Lending Room Limited (FSP486566) under a Class 2 Financial Advice Provider Licence. The company runs a single online application that uses a soft credit check (no impact on the borrower's credit score) to assess applicants and then matches them to the most suitable lender from a panel of 20+ vetted NZ lenders, including mainstream, non-bank and specialist providers such as Finance Now, Oxford Finance, Avanti, Geneva, Jade, MTF and Nectar. Five product categories are offered through this single funnel: personal loans, car loans, debt consolidation, secured loans against vehicles or equipment, and loans for work-visa holders (AEWV, Essential Skills and Partnership visas), with loan sizes from $1,000 to $250,000, terms of 6–84 months and rates from 8.99% to 29.95% p.a. Applications are processed online or by phone in English, Tagalog, Hindi and Afrikaans, with same-day assessment and same-day funding available for approvals before 3pm.
The underlying technology is a soft-bureau assessment plus lender-matching workflow, with bank-statement access (used for affordability checks but not stored) and 256-bit SSL encrypted forms; there is no disclosed mobile app, public API or machine-learning pipeline. Distribution is entirely digital and direct-to-consumer through moola.co.nz, supported by Trustpilot (4.9, 1,070+ reviews) and Google (5.0, 210+ reviews) ratings collected under the parent Lending Room brand.
Moola's business model is a pure brokerage economics stack: a broker/introducer fee of up to NZ$1,500 (GST inclusive) charged on each successfully funded loan, lender establishment fees of up to $450 passed through to the lender, and commission payments from lenders disclosed in its conflict-of-interest policy. Fees are added to the loan principal and disclosed before the borrower commits. The company targets employed New Zealanders with clean or near-clean credit, including the under-served visa-holder segment, and explicitly excludes benefit recipients, WINZ-supported applicants and payday-loan seekers. Services are restricted to NZ residents only.
Moola firmographics
Firmographics- Name
- Moola
- Legal name
- Moola Financial Services Ltd
- Website
- https://moola.co.nz
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Moola is a New Zealand digital loan broker operated by The Lending Room Limited that matches consumer borrowers to a panel of 20+ vetted NZ lenders via a single soft-credit-check application, serving employed Kiwis, vehicle buyers, debt consolidators and work-visa holders with loans from $1,000 to $250,000.
- Ownership category
- akta.pro rank
Where Moola is headquartered
LocationHeadquarters
- HQ city
- Christchurch
- HQ country
- New Zealand
- HQ region
- Oceania
Offices1 record
Markets served
Moola business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Broker/Introducer Fee: Moola charges a broker and introducer fee of up to $1,500 (GST inclusive) when a loan is successfully funded. This fee is added to the loan amount borrowed and is disclosed before the customer commits to anything. There is no obligation to proceed if the terms don't suit.
- Lender Establishment Fee (passed through): Lender establishment fees of up to $450 may also apply depending on the specific lender. These fees are passed through to the lender and added to the loan amount.
- Commission from Lenders: Moola receives remuneration through commissions from lenders. The successful lender pays a commission based on the loan value. This is disclosed in their conflict of interest policy.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Broker fee on successful loan funding |
| Transaction based/ take rate | Pay-as-you-go | Lender establishment fee |
| Other | Monthly | Loan interest rates |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
Moola product offering
Product offeringCore offering
Moola is a New Zealand loan broker, not a lender, that matches individual borrowers to a panel of 20+ vetted NZ lenders through a single online application. The platform performs one soft credit check during assessment (with no impact on the borrower's credit score), then matches the applicant to the lender most likely to approve them for personal, car, debt consolidation, secured, or visa holder loans. Loan amounts range from $1,000 to $250,000 with rates from 8.99% to 29.95% p.a. and terms of 6 to 84 months.
Product overview
Moola is a New Zealand loan broker — not a lender — operated by Lending Room Limited (FSP486566). It offers five loan products: Personal Loans, Car Loans, Debt Consolidation, Secured Loans, and Visa Holder Loans. Customers complete one application (approximately 5 minutes), Moola runs a single soft credit check, and the application is matched to the most suitable lender from a panel of 20+ vetted NZ lenders. Loan amounts range from $1,000 to $250,000 with rates from 8.99% to 29.95% p.a. and terms of 6 to 84 months. Same-day assessment and funding are available. Fees include a broker fee of up to $1,500 and lender establishment fees of up to $450.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loans
Quantifiable outcome
- Soft credit check has no impact on credit score during assessment
- +2 more outcomes
Companies that use Moola
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
Moola technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Moola partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights5 records
Moola competitors and assessment
Company assessmentBroad incumbents
- Prospa: Australia's leading online small-business lender, also offering consumer loans. Listed as a minor panel partner on Moola; broader incumbent with overlapping online-origination, soft-check style UX and consumer-credit exposure.
Regional players
- Wisr: Australian consumer-loan fintech offering personal loans and credit-score tools. Comparable online consumer-loan model and target borrower, but AU-only — the most likely trans-Tasman competitive analogue for any Moola expansion.
- Canstar: Australia/NZ financial-product comparison and research platform, including personal-loan comparison tables. Comparable in that it sits between borrowers and lenders to drive matched decisions, though based in AU and research-led rather than transactional.
Direct peers
- Squirrel Mortgages: NZ online mortgage broker that also arranges personal loans and insurance via a single application, similar to Moola's one-form-to-many-lenders model. Closest functional analogue outside of personal loans.
- Sorted: New Zealand personal finance and loan-comparison/broker platform helping consumers choose personal loans, mortgages and credit products. Most directly comparable NZ peer given overlapping loan-broker model and consumer target.
- Lending Crowd: New Zealand peer-to-peer consumer and business lending platform originating personal and SME loans. Comparable in target borrower, regulatory perimeter (FMA-registered) and online origination model.
- Harmoney: NZ-founded marketplace/peer-to-peer consumer lender operating in NZ and Australia, providing personal loans up to ~$70k. Alternative channel for the same NZ borrower and competing lending capital on Moola's panel.
- NZ Home Loans (NZHL): Established New Zealand mortgage and personal-loan broker with a national adviser network. Comparable broker model and consumer target, though distributed via advisers rather than purely online.
- Moneyplace: NZ-originated online personal-loan lender offering unsecured personal loans to NZ borrowers. Competes for the same end customer (NZ consumer seeking $1k–$250k personal loan) and is itself a candidate lender on Moola's panel.
- Nano (Nano Loans NZ): NZ-based online consumer lender offering personal and short-term loans to NZ borrowers, including those with imperfect credit. Competes for the same end-borrower demand Moola targets with its panel.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Moola social profiles
Digital presenceMoola compliance and trust
Trust signalCompliance4 records
Moola financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moola leadership team
Management profileNumber of profiles
Moola funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moola M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moola
What does Moola do?
Moola is a New Zealand loan broker, not a lender, that matches individual borrowers to a panel of 20+ vetted NZ lenders through a single online application. The platform performs one soft credit check during assessment (with no impact on the borrower's credit score), then matches the applicant to the lender most likely to approve them for personal, car, debt consolidation, secured, or visa holder loans. Loan amounts range from $1,000 to $250,000 with rates from 8.99% to 29.95% p.a. and terms of 6 to 84 months.
Is Moola a public or private company?
Moola is a private company. It is classified as unknown and is currently operating.
When was Moola founded?
Moola was founded in 2013. It employs 11 to 50 people.
Where is Moola based?
Moola is headquartered in Christchurch, New Zealand, in the Oceania region.
How does Moola make money?
Three revenue lines are on record. Broker/Introducer Fee is the primary driver. The others are lender Establishment Fee (passed through) and commission from Lenders.
Who are Moola's main competitors?
Prospa is listed as a broad incumbent. Regional players are Wisr and Canstar. Direct peers are Squirrel Mortgages, Sorted, Lending Crowd, Harmoney, NZ Home Loans (NZHL), Moneyplace and Nano (Nano Loans NZ).
Does Moola have an API?
No public API is recorded for Moola.