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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 Senegal — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Senegal Zuma Escrow pool · pool XOF 23,449,610

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

Zuma Instant · 6.0% /month · up to 140,700Zuma Business Boost · 4.5% /month · up to 468,990Zuma School Fees · 3.5% /month · up to 281,400
Microfinance

Salary Advance

Dakar Microfinance · Dakar · ★ 4.7
5.0% flat
XOF 4,690 – 234,500 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 93,800Apply
Microfinance

Salary Advance

Thiès Microfinance · Thiès · ★ 4.5
5.0% flat
XOF 4,690 – 234,500 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 93,800Apply
Microfinance

Salary Advance

Saint-Louis Microfinance · Saint-Louis · ★ 4.5
5.0% flat
XOF 4,690 – 234,500 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 93,800Apply
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.