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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 South Africa — repaid automatically from your wallet.

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⚡ Zuma Escrow South Africa Zuma Escrow pool · pool ZAR 705,430

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

Zuma Instant · 6.0% /month · up to 4,230Zuma Business Boost · 4.5% /month · up to 14,110Zuma School Fees · 3.5% /month · up to 8,470
SACCO

Emergency Loan

Durban Community SACCO · Durban · ★ 3.9
2.0% /month
ZAR 71 – 4,230 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,410Apply
SACCO

Emergency Loan

Gqeberha Community SACCO · Gqeberha · ★ 4.6
2.0% /month
ZAR 71 – 4,230 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,410Apply
SACCO

Emergency Loan

Bloemfontein Community SACCO · Bloemfontein · ★ 4.8
2.0% /month
ZAR 71 – 4,230 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,410Apply
Microfinance

Asset Finance

Pretoria Microfinance · Pretoria · ★ 4.4
2.2% /month
ZAR 2,820 – 141,090 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Johannesburg Microfinance · Johannesburg · ★ 4.9
2.2% /month
ZAR 2,820 – 141,090 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Cape Town Microfinance · Cape Town · ★ 3.9
2.2% /month
ZAR 2,820 – 141,090 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Durban Microfinance · Durban · ★ 4.8
2.2% /month
ZAR 2,820 – 141,090 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Gqeberha Microfinance · Gqeberha · ★ 4.2
2.2% /month
ZAR 2,820 – 141,090 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Bloemfontein Microfinance · Bloemfontein · ★ 3.8
2.2% /month
ZAR 2,820 – 141,090 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Pretoria Microfinance · Pretoria · ★ 4.4
3.0% /month
ZAR 710 – 70,540 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Johannesburg Microfinance · Johannesburg · ★ 4.9
3.0% /month
ZAR 710 – 70,540 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Cape Town Microfinance · Cape Town · ★ 3.9
3.0% /month
ZAR 710 – 70,540 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Durban Microfinance · Durban · ★ 4.8
3.0% /month
ZAR 710 – 70,540 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Gqeberha Microfinance · Gqeberha · ★ 4.2
3.0% /month
ZAR 710 – 70,540 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Bloemfontein Microfinance · Bloemfontein · ★ 3.8
3.0% /month
ZAR 710 – 70,540 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Pretoria Microfinance · Pretoria · ★ 4.4
5.0% flat
ZAR 140 – 7,050 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,820Apply
Microfinance

Salary Advance

Johannesburg Microfinance · Johannesburg · ★ 4.9
5.0% flat
ZAR 140 – 7,050 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,820Apply
Microfinance

Salary Advance

Cape Town Microfinance · Cape Town · ★ 3.9
5.0% flat
ZAR 140 – 7,050 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,820Apply
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.