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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 Senegal

Nationwide · ★ 4.8 · 0 loans · 3 products · ✅ verified The Zuma-operated lending pool for Senegal. Instant, score-based loans repaid from your Zuma Pay wallet.Loans XOF 2,340 – 468,990 · default rate 0.00%View products
Microfinance

Dakar Microfinance

Dakar · ★ 4.7 · 282 loans · 3 products · ✅ verified Licensed microfinance lender in Dakar — business, asset and salary-advance loans with fast decisions. Sample l...Loans XOF 2,340 – 4,689,920 · default rate 0.00%View products
SACCO

Dakar Community SACCO

Dakar · ★ 4.4 · 72 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Dakar. Affordable rates for members and salaried borrower...Loans XOF 2,340 – 937,980 · default rate 0.00%View products
SACCO

Saint-Louis Community SACCO

Saint-Louis · ★ 4.6 · 271 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Saint-Louis. Affordable rates for members and salaried bo...Loans XOF 2,340 – 937,980 · default rate 0.00%View products
Microfinance

Thiès Microfinance

Thiès · ★ 4.5 · 21 loans · 3 products · ✅ verified Licensed microfinance lender in Thiès — business, asset and salary-advance loans with fast decisions. Sample l...Loans XOF 2,340 – 4,689,920 · default rate 0.00%View products
Microfinance

Saint-Louis Microfinance

Saint-Louis · ★ 4.5 · 82 loans · 3 products · ✅ verified Licensed microfinance lender in Saint-Louis — business, asset and salary-advance loans with fast decisions. Sa...Loans XOF 2,340 – 4,689,920 · default rate 0.00%View products
SACCO

Thiès Community SACCO

Thiès · ★ 4.3 · 218 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Thiès. Affordable rates for members and salaried borrower...Loans XOF 2,340 – 937,980 · 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).