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🏦 Zuma Loans

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

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⚡ Zuma Escrow Botswana Zuma Escrow pool · pool BWP 531,010

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

Zuma Instant · 6.0% /month · up to 3,190Zuma Business Boost · 4.5% /month · up to 10,620Zuma School Fees · 3.5% /month · up to 6,370
Zuma Escrow

Zuma School Fees

Zuma Escrow Botswana · Nationwide · ★ 4.8
3.5% /month
BWP 530 – 6,370 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,120Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Botswana · Nationwide · ★ 4.8
4.5% /month
BWP 530 – 10,620 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Botswana · Nationwide · ★ 4.8
6.0% /month
BWP 53 – 3,190 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,060Apply
SACCO

Member Loan

Gaborone Community SACCO · Gaborone · ★ 4.2
1.2% /month
BWP 110 – 21,240 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 1,590Apply
SACCO

Member Loan

Francistown Community SACCO · Francistown · ★ 3.8
1.2% /month
BWP 110 – 21,240 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 1,590Apply
SACCO

Agri Input Loan

Gaborone Community SACCO · Gaborone · ★ 4.2
1.5% /month
BWP 530 – 15,930 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Francistown Community SACCO · Francistown · ★ 3.8
1.5% /month
BWP 530 – 15,930 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Gaborone Community SACCO · Gaborone · ★ 4.2
2.0% /month
BWP 53 – 3,190 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,060Apply
SACCO

Emergency Loan

Francistown Community SACCO · Francistown · ★ 3.8
2.0% /month
BWP 53 – 3,190 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,060Apply
Microfinance

Asset Finance

Gaborone Microfinance · Gaborone · ★ 4.4
2.2% /month
BWP 2,120 – 106,200 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Francistown Microfinance · Francistown · ★ 4.3
2.2% /month
BWP 2,120 – 106,200 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Gaborone Microfinance · Gaborone · ★ 4.4
3.0% /month
BWP 530 – 53,100 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Francistown Microfinance · Francistown · ★ 4.3
3.0% /month
BWP 530 – 53,100 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Gaborone Microfinance · Gaborone · ★ 4.4
5.0% flat
BWP 110 – 5,310 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,120Apply
Microfinance

Salary Advance

Francistown Microfinance · Francistown · ★ 4.3
5.0% flat
BWP 110 – 5,310 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,120Apply
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.