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Moola is a personal finance app for people with future income—settlements, lottery payments, housing earnings, paychecks, and more. You track your income streams in one place, get AI-powered insights from Nova, and when you need cash sooner, you can request capital right from the app by selling a stream or drawing against funds Moola already manages.

Yes. The base plan is free forever and includes income tracking, outflows, and personal financial insights. Premium ($3.99/month or $35/year) unlocks unlimited income sources, outflows, insights, economic overviews, and audio summaries. Requesting capital doesn't require a subscription—fees only apply to the capital you actually receive.

You can track almost any recurring or future payment:

• Structured settlements from insurance or legal judgments
• Lottery winnings paid in installments
• AirBnB and housing earnings
• Paychecks and salary
• Government assistance payments
• Contracts, royalties, and other future income you describe in your own words

All of these can be tracked and analyzed. Some types—like paychecks and government assistance—can be tracked but not sold.

Moola is built for people whose money arrives over time: settlement and policy holders, lottery winners, creators, musicians, athletes, inventors, and property hosts. If you have future funds that are guaranteed or highly likely to materialize, Moola can help you understand their value today and access them sooner when it makes sense. We do not offer IRS refund advances, Social Security advances, or employment cash advances.

Just describe it in plain English—no forms to memorize. Tell Nova, Moola's AI assistant, something like “I receive $1,200 a month from an injury settlement until 2031” and Nova names the stream, structures the payments, and estimates its value automatically. You can then add documents and ask Nova follow-up questions about your options.

Moola calculates the present value of your remaining payments—what your future income is worth in today's dollars—using rates that adjust with market conditions rather than the steep, one-size-fits-all discounts common elsewhere. When you request an offer, the estimate is valid for 14 days. It's an estimate only: final terms are confirmed after our team reviews your documents.

When Moola approves the purchase of a stream (in full or in part), that stream becomes managed by Moola—you'll see a managed badge on it in the app. Managed streams unlock two things:

• Open to request — any remaining capital on file that you can draw against at any time, without new paperwork
• Emergency Funds — urgent advances available when nothing is open to request

Managed streams can't be deleted from the app; contact support if anything about a managed stream needs to change.

Anything that shows your payment structure: benefit letters, settlement agreements, contracts, annuity schedules, or payout statements. Documents power tailored insights from Nova and make capital requests move much faster—the more complete your paperwork, the quicker our team can confirm your terms. If we need anything else, a representative will reach out, typically within 24 hours.

Tap Request Capital on the home screen. There are three ways to get funds, depending on your situation:

• Sell an income stream — sell all or part of a future payment stream for cash today
• Draw on a managed stream — request capital that's already open to request on a stream Moola manages
• Emergency Funds — an urgent advance when your managed stream has nothing open to request

Every request is signed digitally in the app and reviewed by a real member of our team before funds are sent.

Pick an eligible stream and the app shows you an estimated offer based on the present value of your remaining payments. Enter how much you need (up to the estimate), review the terms, select your state, and sign digitally. Your request goes to Pending Review; once approved, you may receive a terms sheet to confirm and re-sign. It's a clean sale of future payments—not a loan—so there's no interest accruing or monthly repayment schedule.

No—partial sales are common and often the smart move. Take only what you need today and keep the rest of your payments. If you sell part of a stream, the remainder of your approved offer stays open to request, so you can draw more later without starting over.

Settlements, lottery payments, AirBnB and housing earnings, and most other future payment streams are eligible. Paychecks and government assistance can be tracked in the app but cannot be sold—Moola is not a paycheck advance or benefits advance service.

Open to request is the capital already approved on your Moola-managed stream that you haven't drawn yet. Because your paperwork is on file, drawing on it is simple: choose the stream, enter an amount up to what's open, sign, and submit. These draws are usually the fastest way to get funds—reviews typically take 24–48 hours.

Emergency Funds are urgent advances for when life doesn't wait—urgent bills, medical costs, housing, or utilities. They're available when you have a Moola-managed stream but nothing currently open to request. You can make one emergency request about every 30 days, a flat 2% fee is added at payout, and approval isn't guaranteed—each request is reviewed individually.

Draws on a managed stream use a simple flat fee—no compounding interest and no APR math:

• 10%  if settled within the calendar month of your payout
• 14% total  if carried into the following month

The advance and its fee appear under Your standing with Moola in the app, so you always know exactly where you stand.

When you sell a stream, there's no fee on top—the cost is built into the offer as a discount to the present value of your future payments. Many companies use steep, even predatory discount rates; Moola's proprietary technology adjusts rates in real time with market conditions so more of your money stays in your pocket. Your exact offer is always shown before you sign anything.

It depends on the request type:

• Draws on managed streams and Emergency Funds are typically reviewed within 24–48 hours, with payout shortly after approval
• New stream sales usually fund within a few business days of approval; settlements that require court paperwork can take longer

Nothing moves automatically—every payout is confirmed by our team, and you'll see your request move to Approved and then Paid in My Requests.

Not a problem. We can work with any servicing company that's still handling your periodic payments. Providing your previous records considerably speeds up the review, so upload them with your documents if you have them.

Everything lives in My Requests. Each request moves through clear statuses: Pending Review → Approved → Paid (or Denied / Cancelled). If your approval comes with an updated terms sheet, you'll re-sign it right there in the app. Your home screen also shows totals for capital Funded, On the way, and Open to request.

Yes—any request that's still in Pending Review can be cancelled from My Requests with one tap, no questions asked. Cancelling a pending emergency request also frees up your monthly emergency slot. Once a request is approved and paid, it can no longer be cancelled in the app; contact support if something isn't right.

Your Account Statement in the app is a full ledger of funds received, fees, and adjustments—every credit and debit, itemized. You can export it as a PDF anytime for your records, your accountant, or anyone else who needs it.

Yes. All personal information and documents are safeguarded with military-grade encryption, and privacy is a core design principle of the app. You can sign in with Apple so you never have to create a new password, and your documents are only used to evaluate and service your income streams. See our Privacy Policy for the details.

To keep our service fair and sustainable, Moola does not offer:

• IRS refund advances
• Social Security advances
• Employment cash advances (paycheck advances)

You can still track paychecks and government assistance in the app for insights—they just can't be sold or advanced against.

We're here around the clock. Use the live chat in the app to reach a representative right away, send us a message through the contact form, or email info@getmoola.app. If your request needs anything extra, a team member will reach out—typically within 24 hours.