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🤝 Zuma Lenders

A controlled, secured lending ecosystem: licensed institutions and verified individuals fund an escrowed pool, publish products under rate caps, and Zuma scores borrowers, collects installments and handles defaults.

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Zuma Escrow

Zuma Escrow Kenya

Nationwide · ★ 4.8 · 0 loans · 3 products · ✅ verified The Zuma-operated lending pool for Kenya. Instant, score-based loans repaid from your Zuma Pay wallet.Loans KES 500 – 100,000 · default rate 0.00%View products
Microfinance

Nairobi Microfinance

Nairobi · ★ 4.2 · 41 loans · 3 products · ✅ verified Licensed microfinance lender in Nairobi — business, asset and salary-advance loans with fast decisions. Sample...Loans KES 500 – 1,000,000 · default rate 0.00%View products
SACCO

Nairobi Community SACCO

Nairobi · ★ 4.0 · 365 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Nairobi. Affordable rates for members and salaried borrow...Loans KES 500 – 200,000 · default rate 0.00%View products
Microfinance

Machakos Microfinance

Machakos · ★ 4.8 · 59 loans · 3 products · ✅ verified Licensed microfinance lender in Machakos — business, asset and salary-advance loans with fast decisions. Sampl...Loans KES 500 – 1,000,000 · default rate 0.00%View products
Microfinance

Mombasa Microfinance

Mombasa · ★ 4.7 · 341 loans · 3 products · ✅ verified Licensed microfinance lender in Mombasa — business, asset and salary-advance loans with fast decisions. Sample...Loans KES 500 – 1,000,000 · default rate 0.00%View products
Microfinance

Nakuru Microfinance

Nakuru · ★ 4.7 · 398 loans · 3 products · ✅ verified Licensed microfinance lender in Nakuru — business, asset and salary-advance loans with fast decisions. Sample...Loans KES 500 – 1,000,000 · default rate 0.00%View products
SACCO

Mombasa Community SACCO

Mombasa · ★ 4.6 · 155 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Mombasa. Affordable rates for members and salaried borrow...Loans KES 500 – 200,000 · default rate 0.00%View products
Microfinance

Kisumu Microfinance

Kisumu · ★ 4.6 · 378 loans · 3 products · ✅ verified Licensed microfinance lender in Kisumu — business, asset and salary-advance loans with fast decisions. Sample...Loans KES 500 – 1,000,000 · default rate 0.00%View products
Microfinance

Nyeri Microfinance

Nyeri · ★ 4.6 · 291 loans · 3 products · ✅ verified Licensed microfinance lender in Nyeri — business, asset and salary-advance loans with fast decisions. Sample l...Loans KES 500 – 1,000,000 · default rate 0.00%View products
SACCO

Nyeri Community SACCO

Nyeri · ★ 4.5 · 64 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Nyeri. Affordable rates for members and salaried borrower...Loans KES 500 – 200,000 · default rate 0.00%View products
SACCO

Machakos Community SACCO

Machakos · ★ 4.5 · 37 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Machakos. Affordable rates for members and salaried borro...Loans KES 500 – 200,000 · default rate 0.00%View products
SACCO

Nakuru Community SACCO

Nakuru · ★ 4.3 · 68 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Nakuru. Affordable rates for members and salaried borrowe...Loans KES 500 – 200,000 · default rate 0.00%View products
Microfinance

Thika Microfinance

Thika · ★ 4.3 · 160 loans · 3 products · ✅ verified Licensed microfinance lender in Thika — business, asset and salary-advance loans with fast decisions. Sample l...Loans KES 500 – 1,000,000 · default rate 0.00%View products
SACCO

Thika Community SACCO

Thika · ★ 4.2 · 155 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Thika. Affordable rates for members and salaried borrower...Loans KES 500 – 200,000 · default rate 0.00%View products
Microfinance

Eldoret Microfinance

Eldoret · ★ 4.0 · 272 loans · 3 products · ✅ verified Licensed microfinance lender in Eldoret — business, asset and salary-advance loans with fast decisions. Sample...Loans KES 500 – 1,000,000 · default rate 0.00%View products
SACCO

Eldoret Community SACCO

Eldoret · ★ 3.9 · 391 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Eldoret. Affordable rates for members and salaried borrow...Loans KES 500 – 200,000 · default rate 0.00%View products
SACCO

Kisumu Community SACCO

Kisumu · ★ 3.8 · 97 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Kisumu. Affordable rates for members and salaried borrowe...Loans KES 500 – 200,000 · default rate 0.00%View products
1 · Apply & verifyID/KYC, licence or registration for institutions, declared capital, references. Compliance reviews within 1–3 days.
2 · Fund your poolMove money from your Zuma Pay wallet into an escrowed lending pool — only the pool can be lent.
3 · Publish productsAmount ranges, tenure, rate (capped at 15%/month), fees, minimum score and tier, optional instant approval.
4 · Lend & collectApprove applications in your console; Zuma disburses, auto-collects installments, applies late fees, flags defaults and pays interest to your pool (10% platform fee).