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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 Ethiopia — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Ethiopia Zuma Escrow pool · pool ETB 4,728,680

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

Zuma Instant · 6.0% /month · up to 28,370Zuma Business Boost · 4.5% /month · up to 94,570Zuma School Fees · 3.5% /month · up to 56,740
Zuma Escrow

Zuma School Fees

Zuma Escrow Ethiopia · Nationwide · ★ 4.8
3.5% /month
ETB 4,730 – 56,740 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 18,910Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Ethiopia · Nationwide · ★ 4.8
4.5% /month
ETB 4,730 – 94,570 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Ethiopia · Nationwide · ★ 4.8
6.0% /month
ETB 470 – 28,370 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 9,460Apply
SACCO

Member Loan

Addis Ababa Community SACCO · Addis Ababa · ★ 4.2
1.2% /month
ETB 950 – 189,150 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 14,190Apply
SACCO

Member Loan

Dire Dawa Community SACCO · Dire Dawa · ★ 4.5
1.2% /month
ETB 950 – 189,150 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 14,190Apply
SACCO

Member Loan

Mekelle Community SACCO · Mekelle · ★ 4.9
1.2% /month
ETB 950 – 189,150 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 14,190Apply
SACCO

Member Loan

Bahir Dar Community SACCO · Bahir Dar · ★ 4.0
1.2% /month
ETB 950 – 189,150 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 14,190Apply
SACCO

Agri Input Loan

Addis Ababa Community SACCO · Addis Ababa · ★ 4.2
1.5% /month
ETB 4,730 – 141,860 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Dire Dawa Community SACCO · Dire Dawa · ★ 4.5
1.5% /month
ETB 4,730 – 141,860 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Mekelle Community SACCO · Mekelle · ★ 4.9
1.5% /month
ETB 4,730 – 141,860 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Bahir Dar Community SACCO · Bahir Dar · ★ 4.0
1.5% /month
ETB 4,730 – 141,860 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Addis Ababa Community SACCO · Addis Ababa · ★ 4.2
2.0% /month
ETB 470 – 28,370 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 9,460Apply
SACCO

Emergency Loan

Dire Dawa Community SACCO · Dire Dawa · ★ 4.5
2.0% /month
ETB 470 – 28,370 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 9,460Apply
SACCO

Emergency Loan

Mekelle Community SACCO · Mekelle · ★ 4.9
2.0% /month
ETB 470 – 28,370 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 9,460Apply
SACCO

Emergency Loan

Bahir Dar Community SACCO · Bahir Dar · ★ 4.0
2.0% /month
ETB 470 – 28,370 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 9,460Apply
Microfinance

Asset Finance

Addis Ababa Microfinance · Addis Ababa · ★ 4.5
2.2% /month
ETB 18,910 – 945,740 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Dire Dawa Microfinance · Dire Dawa · ★ 4.0
2.2% /month
ETB 18,910 – 945,740 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Mekelle Microfinance · Mekelle · ★ 4.8
2.2% /month
ETB 18,910 – 945,740 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
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.