ZUMA
Prices, payment methods and delivery all follow your choice.
No market matches that search.
Credit priced on what you actually do, not what you can prove on paper.
Live in 21 markets · rolling out across Africa
M-Shwari, Tala, Branch, FairMoney, Carbon
Every provider here has passed identity, licence and quality checks before being allowed to trade.
In-app lending, CBK compliant
Short-term consumer credit
SME working capital
Boda and vehicle financing
Vendor stock financing
Salary-linked lending
Consumer and micro-business credit underwritten on in-app behaviour, funded by Zuma, in-app lenders or external creditors.
Most booked this month across our live markets.
Score built from your Zuma activity, not a bureau file. Money in minutes.
Borrow against your in-app history. Total cost shown before you accept.
Draw part of your earnings early. Repaid automatically on payday.
Split any Zuma purchase over four payments. No interest if on time.
Hospital bills paid direct to the facility, not to you.
Own your bike in 18 months. Repayments taken from daily trips.
Weekly repayment tied to your riding income.
Restock now, repay as you sell. For Zuma Commerce sellers.
20 listings across 3 categories.
★★★★★"I run a shop in Kariobangi. I take payments, order stock and pay my supplier without leaving the app. That used to be three apps and a bank queue."
★★★★★"I moved from okada riding to running two bikes on Zuma. The credit score from my trips got me the loan for the second one."
★★★★★"We list our lodge on Zuma Safaris and get bookings direct. No agent taking thirty percent before we see the money."
★★★★★"My mother in Mbale gets her blood pressure tablets delivered every month. I pay from Kampala. She never has to travel."
★★★★★"I sell 40 crates of tomatoes a week through Zuma Agriculture. The price is agreed before I harvest, so I stop guessing."
★★★★★"Rent, deposit and lease all went through the app. I never handed cash to an agent I had never met."
★★★★★"Our restaurant does delivery and table bookings from one dashboard. Payouts land on Friday without me chasing anyone."
★★★★★"I found my job on Zuma. No one asked me for an application fee, which is why I trusted it."
Credit priced on what you actually do, not what you can prove on paper.
Rides taken, orders fulfilled, wallet inflows, repayment history — earned signal, not a credit bureau file.
⚙ Credit score recalculated on every settled transaction
Amount, tenure and total cost shown before applying. No hidden fees.
⚙ Offer generated within score band and market limits
Zuma balance sheet, an in-app lender, or an external creditor bidding on the loan.
⚙ Marketplace auction; best APR wins, ties broken by speed
Disbursed to the wallet in seconds; repay from wallet, earnings or mobile money.
⚙ Disbursement, repayment schedule, reminders before due date
On-time repayment raises the limit and lowers the rate automatically.
⚙ Score uplift, band promotion, next-offer regeneration
Pick a market to see local pricing, payment rails and cities.
Each of these has a live page and a waitlist — join it and you help decide the order.