Zuma is live in: All markets →

🏦 Zuma Loans

Your Zuma activity is your credit history. Instant loans from the Zuma Escrow pool, marketplace loans from verified lenders in Angola — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Angola Zuma Escrow pool · pool AOA 35,271,320

The Zuma-operated lending pool for Angola. Instant, score-based loans repaid from your Zuma Pay wallet.

Zuma Instant · 6.0% /month · up to 211,630Zuma Business Boost · 4.5% /month · up to 705,430Zuma School Fees · 3.5% /month · up to 423,260
Zuma Escrow

Zuma School Fees

Zuma Escrow Angola · Nationwide · ★ 4.8
3.5% /month
AOA 35,270 – 423,260 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 141,090Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Angola · Nationwide · ★ 4.8
4.5% /month
AOA 35,270 – 705,430 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Angola · Nationwide · ★ 4.8
6.0% /month
AOA 3,530 – 211,630 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 70,540Apply
SACCO

Member Loan

Luanda Community SACCO · Luanda · ★ 4.5
1.2% /month
AOA 7,050 – 1,410,850 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 105,810Apply
SACCO

Member Loan

Huambo Community SACCO · Huambo · ★ 4.9
1.2% /month
AOA 7,050 – 1,410,850 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 105,810Apply
SACCO

Agri Input Loan

Luanda Community SACCO · Luanda · ★ 4.5
1.5% /month
AOA 35,270 – 1,058,140 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Huambo Community SACCO · Huambo · ★ 4.9
1.5% /month
AOA 35,270 – 1,058,140 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Luanda Community SACCO · Luanda · ★ 4.5
2.0% /month
AOA 3,530 – 211,630 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 70,540Apply
SACCO

Emergency Loan

Huambo Community SACCO · Huambo · ★ 4.9
2.0% /month
AOA 3,530 – 211,630 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 70,540Apply
Microfinance

Asset Finance

Luanda Microfinance · Luanda · ★ 4.2
2.2% /month
AOA 141,090 – 7,054,260 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Huambo Microfinance · Huambo · ★ 4.8
2.2% /month
AOA 141,090 – 7,054,260 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Luanda Microfinance · Luanda · ★ 4.2
3.0% /month
AOA 35,270 – 3,527,130 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Huambo Microfinance · Huambo · ★ 4.8
3.0% /month
AOA 35,270 – 3,527,130 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Luanda Microfinance · Luanda · ★ 4.2
5.0% flat
AOA 7,050 – 352,710 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 141,090Apply
Microfinance

Salary Advance

Huambo Microfinance · Huambo · ★ 4.8
5.0% flat
AOA 7,050 – 352,710 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 141,090Apply
1 · ScoreWallet activity, repayment history, account age and verification build your Zuma score (300–900).
2 · ApplyPick a product, choose amount, tenure and installments; confirm with your PIN.
3 · DisburseEscrow loans within limits are instant; lenders decide in their console. Funds land in your wallet.
4 · RepayInstallments auto-collect from your wallet on due dates; late fees and defaults are transparent.