Mooch Money

Borrow or invest up to $2,000 quick and easy. Simply set up a profile, let us know how much you'd like to borrow or invest, and we'll match you with your perfect real human partner! No credit checks.

LOOKING TO BORROW/MOOCH?
Let us know how much you'd like to borrow (up to $2,000)
Get matched with human investors
Negotiate rates and pay-back terms with real humans
Cash lands in minutes.

LOOKING TO INVEST?
Invest up to $2,000 on your terms
Get matched with human moochers
Have complete control over your investment and choose how you earn
Negotiate rates and pay-back terms with real humans.

YOU'RE IN SAFE HANDS
Mooch ensures all of your data is protected and users are verified through our in-depth ID verification process.

WE HELP YOU INVEST IN THE COMMUNITY
Mooch is Aussie-owned and proud to be carbon neutral. We help investors gain a side hustle and Moochers get quick cash, because life is too short to not enjoy! Join the Mooch Movement today.

THE IMPORTANT BITS
All about the details? Check out the below as a Moocher or an Investor.

Firstly - the minimum and maximum period for repayment
Within the minimum and maximum repayment window of 62 calendar days, Moochers are empowered to determine the length of their loan repayment. Borrowers have the flexibility to select a repayment term that aligns with their financial capabilities and preferences.


Let’s talk the Maximum Annual Percentage Rate (APR)
Mooch Loans do not involve traditional interest. That’s what makes us different (cue the side hustle)! Instead, Borrowers (Moochers) pay an agreed fee known as the Mooch Loan Fee. The Mooch Loan Fee charged by the Lender must not exceed 24% of the total Mooch Loan amount. As there is no traditional interest, the concept of an Annual Percentage Rate (APR) may not be applicable in the conventional sense.

Representative Example
For illustrative purposes, let's consider a Mooch Loan where the borrower receives a principal amount of $1,000. The agreed-upon Mooch Loan Fee, capped at 24% of the total Mooch Loan amount, is $240.
* Principal: $1,000
* Mooch Loan Fee (24% of Principal): $240
Total Cost of the Loan:
Total Cost = Principal + Mooch Loan Fee
Total Cost = $1,000 + $240 = $1,240
This means that, for this representative example, the borrower would repay a total of $1,240, including the borrowed principal amount and the agreed-upon Mooch Loan Fee.

So go on. Embrace the future of borrowing and lending and get on Mooch today.