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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 São Tomé and Príncipe

Nationwide · ★ 4.8 · 0 loans · 3 products · ✅ verified The Zuma-operated lending pool for São Tomé and Príncipe. Instant, score-based loans repaid from your Zuma Pay...Loans STN 88 – 17,520 · default rate 0.00%View products
SACCO

São Tomé Community SACCO

São Tomé · ★ 4.0 · 359 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving São Tomé. Affordable rates for members and salaried borro...Loans STN 88 – 35,040 · default rate 0.00%View products
Microfinance

São Tomé Microfinance

São Tomé · ★ 3.9 · 32 loans · 3 products · ✅ verified Licensed microfinance lender in São Tomé — business, asset and salary-advance loans with fast decisions. Sampl...Loans STN 88 – 175,190 · 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).