ZUMA
One Continent, One Wallet
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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.
Everything is priced in NGN (₦). No foreign card required.
Payments in this market fall under Central Bank of Nigeria (CBN). See our licensing status →
Cities where you can use it today.
We would rather name the alternatives than pretend there aren't any.
Zuma matches the payment rails and adds 30+ service verticals OPay does not operate.
Zuma’s wallet is one module of a full service stack, not the whole product.
Zuma Pay covers acceptance, then brings the merchant demand from 30+ consumer modules.
Zuma Food matches the delivery product and adds dine-in, ticketing, rides and payments on the same account.
Consumer and micro-business credit underwritten on in-app behaviour, funded by Zuma, in-app lenders or external creditors.
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
Yes. Zuma Loans is live in Nigeria and you can use it from the Zuma app or this website.
With OPay, PalmPay, Moniepoint, Bank transfer, Card and USSD, or from your Zuma Wallet balance. Everything is priced in NGN.
Consumer and micro-business credit underwritten on in-app behaviour, funded by Zuma, in-app lenders or external creditors.
Zuma's payment operations in Nigeria fall under Central Bank of Nigeria (CBN). Our current licensing status per market is listed on the Trust page.