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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 Zambia

Nationwide · ★ 4.8 · 0 loans · 3 products · ✅ verified The Zuma-operated lending pool for Zambia. Instant, score-based loans repaid from your Zuma Pay wallet.Loans ZMW 100 – 20,540 · default rate 0.00%View products
SACCO

Lusaka Community SACCO

Lusaka · ★ 4.2 · 206 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Lusaka. Affordable rates for members and salaried borrowe...Loans ZMW 100 – 41,090 · default rate 0.00%View products
Microfinance

Lusaka Microfinance

Lusaka · ★ 3.9 · 206 loans · 3 products · ✅ verified Licensed microfinance lender in Lusaka — business, asset and salary-advance loans with fast decisions. Sample...Loans ZMW 100 – 205,430 · default rate 0.00%View products
Microfinance

Ndola Microfinance

Ndola · ★ 4.7 · 241 loans · 3 products · ✅ verified Licensed microfinance lender in Ndola — business, asset and salary-advance loans with fast decisions. Sample l...Loans ZMW 100 – 205,430 · default rate 0.00%View products
SACCO

Ndola Community SACCO

Ndola · ★ 4.4 · 387 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Ndola. Affordable rates for members and salaried borrower...Loans ZMW 100 – 41,090 · default rate 0.00%View products
Microfinance

Kitwe Microfinance

Kitwe · ★ 4.1 · 138 loans · 3 products · ✅ verified Licensed microfinance lender in Kitwe — business, asset and salary-advance loans with fast decisions. Sample l...Loans ZMW 100 – 205,430 · default rate 0.00%View products
SACCO

Kitwe Community SACCO

Kitwe · ★ 3.8 · 357 loans · 3 products · ✅ verified Member-owned savings and credit co-operative serving Kitwe. Affordable rates for members and salaried borrower...Loans ZMW 100 – 41,090 · 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).