LIMITED TIME ONLY: 3-5% for early payouts. Download app now for early access.

Money Made Better, Together

Connect, save, and earn rewards with friends and family.

Hand holding Joola app on phone showing a Payout screen
How Joola works

Reach financial goals as a team

Group members make equal contributions into a shared pool and one member receives the lump sum in every cycle. The process repeats over time – all members chip in, one member then takes it all. The group ends after everyone gets a full payout once.

Get peer support for your finances

It’s fun and easy to save with friends.

Flexible money options

Choose to borrow at affordable rates or earn cash rewards

Early payout

Pay 5-8% 3-5% one-time fee per group payout to access fund sooner 

*Enjoy reduced fees for a limited time.

Cash rewards

Grow your savings faster with +2% return by waiting to access the fund later

Convenient, flexible, and reliable

See what makes us different

 JoolaPayday LoansPersonal LoansCredit Cards
No credit check - easy identity verificationSome
No origination fees
Fixed low fees
Transparent payments
Mutual benefits
Cash bonusSome

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