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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 Nigeria

Nationwide · ★ 4.8 · 0 loans · 3 products · ✅ verified The Zuma-operated lending pool for Nigeria. Instant, score-based loans repaid from your Zuma Pay wallet.Loans NGN 6,010 – 1,201,550 · default rate 0.00%View products
SACCO

Abuja Community SACCO

Abuja · ★ 4.3 · 84 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Abuja. Affordable rates for members and salaried borrower...Loans NGN 6,010 – 2,403,100 · default rate 0.00%View products
Microfinance

Abuja Microfinance

Abuja · ★ 4.0 · 98 loans · 3 products · ✅ verified Licensed microfinance lender in Abuja — business, asset and salary-advance loans with fast decisions. Sample l...Loans NGN 6,010 – 12,015,500 · default rate 0.00%View products
SACCO

Port Harcourt Community SACCO

Port Harcourt · ★ 4.9 · 62 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Port Harcourt. Affordable rates for members and salaried...Loans NGN 6,010 – 2,403,100 · default rate 0.00%View products
Microfinance

Port Harcourt Microfinance

Port Harcourt · ★ 4.8 · 167 loans · 3 products · ✅ verified Licensed microfinance lender in Port Harcourt — business, asset and salary-advance loans with fast decisions....Loans NGN 6,010 – 12,015,500 · default rate 0.00%View products
SACCO

Ibadan Community SACCO

Ibadan · ★ 4.7 · 170 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Ibadan. Affordable rates for members and salaried borrowe...Loans NGN 6,010 – 2,403,100 · default rate 0.00%View products
Microfinance

Kaduna Microfinance

Kaduna · ★ 4.7 · 53 loans · 3 products · ✅ verified Licensed microfinance lender in Kaduna — business, asset and salary-advance loans with fast decisions. Sample...Loans NGN 6,010 – 12,015,500 · default rate 0.00%View products
Microfinance

Lagos Microfinance

Lagos · ★ 4.6 · 255 loans · 3 products · ✅ verified Licensed microfinance lender in Lagos — business, asset and salary-advance loans with fast decisions. Sample l...Loans NGN 6,010 – 12,015,500 · default rate 0.00%View products
Microfinance

Ibadan Microfinance

Ibadan · ★ 4.6 · 53 loans · 3 products · ✅ verified Licensed microfinance lender in Ibadan — business, asset and salary-advance loans with fast decisions. Sample...Loans NGN 6,010 – 12,015,500 · default rate 0.00%View products
SACCO

Benin City Community SACCO

Benin City · ★ 4.6 · 49 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Benin City. Affordable rates for members and salaried bor...Loans NGN 6,010 – 2,403,100 · default rate 0.00%View products
SACCO

Kaduna Community SACCO

Kaduna · ★ 4.6 · 313 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Kaduna. Affordable rates for members and salaried borrowe...Loans NGN 6,010 – 2,403,100 · default rate 0.00%View products
Microfinance

Kano Microfinance

Kano · ★ 4.4 · 55 loans · 3 products · ✅ verified Licensed microfinance lender in Kano — business, asset and salary-advance loans with fast decisions. Sample li...Loans NGN 6,010 – 12,015,500 · default rate 0.00%View products
SACCO

Enugu Community SACCO

Enugu · ★ 4.4 · 171 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Enugu. Affordable rates for members and salaried borrower...Loans NGN 6,010 – 2,403,100 · default rate 0.00%View products
Microfinance

Enugu Microfinance

Enugu · ★ 4.2 · 354 loans · 3 products · ✅ verified Licensed microfinance lender in Enugu — business, asset and salary-advance loans with fast decisions. Sample l...Loans NGN 6,010 – 12,015,500 · default rate 0.00%View products
SACCO

Lagos Community SACCO

Lagos · ★ 4.1 · 120 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Lagos. Affordable rates for members and salaried borrower...Loans NGN 6,010 – 2,403,100 · default rate 0.00%View products
SACCO

Kano Community SACCO

Kano · ★ 4.0 · 371 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Kano. Affordable rates for members and salaried borrowers...Loans NGN 6,010 – 2,403,100 · default rate 0.00%View products
Microfinance

Benin City Microfinance

Benin City · ★ 3.9 · 215 loans · 3 products · ✅ verified Licensed microfinance lender in Benin City — business, asset and salary-advance loans with fast decisions. Sam...Loans NGN 6,010 – 12,015,500 · 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).