Zuma is live in: All markets →
Finance · module

🏦 Zuma Loans

Borrow from verified lenders on Zuma or from the Zuma Escrow pool — scored, scheduled, repaid from your wallet.

Consumer and micro-business credit underwritten on in-app behaviour, funded by Zuma, in-app lenders or external creditors.

Open Zuma Loans →All modulesBenchmarked against M-Shwari, Tala, Branch, FairMoney, Carbon

Functions & services (18)

Personal credit

Instant micro-loancommission · KYC Salary advancecommission · KYC Buy now, pay later at checkoutcommission · KYC Emergency medical creditcommission · KYC

Borrow

Zuma Escrow instant loaninterestLender marketplace loansinterestBusiness & working capitalinterestSchool fees & emergencyinterest

Repay

Repay from walletfreeInstallment schedulefreeZuma credit scorefree

Business & earner credit

Driver vehicle financingcommission · KYC Vendor stock / inventory floatcommission · KYC Invoice advance for freelancerscommission · KYC Farm input creditcommission · KYC

Lender side

List as an in-app lendercommissionExternal creditor marketplace bidscommissionPortfolio & default dashboardsubscription

How it works

1Score continuously
Rides taken, orders fulfilled, wallet inflows, repayment history — earned signal, not a credit bureau file.Zuma · Credit score recalculated on every settled transaction
2See a real offer
Amount, tenure and total cost shown before applying. No hidden fees.Customer · Offer generated within score band and market limits
3Route to a funder
Zuma balance sheet, an in-app lender, or an external creditor bidding on the loan.Zuma · Marketplace auction; best APR wins, ties broken by speed
4Receive and repay
Disbursed to the wallet in seconds; repay from wallet, earnings or mobile money.Customer · Disbursement, repayment schedule, reminders before due date
5Reward good behaviour
On-time repayment raises the limit and lowers the rate automatically.Zuma · Score uplift, band promotion, next-offer regeneration

Loan products · live in your market

🏦Member LoanKinshasa Community SACCO · 1.2% /monthCDF 21,710–4,341,090🏦Member LoanLubumbashi Community SACCO · 1.2% /monthCDF 21,710–4,341,090🏦Member LoanGoma Community SACCO · 1.2% /monthCDF 21,710–4,341,090🏦Agri Input LoanKinshasa Community SACCO · 1.5% /monthCDF 108,530–3,255,810🏦Agri Input LoanLubumbashi Community SACCO · 1.5% /monthCDF 108,530–3,255,810🏦Agri Input LoanGoma Community SACCO · 1.5% /monthCDF 108,530–3,255,810🏦Emergency LoanKinshasa Community SACCO · 2.0% /monthCDF 10,850–651,160🏦Emergency LoanLubumbashi Community SACCO · 2.0% /monthCDF 10,850–651,160🏦Emergency LoanGoma Community SACCO · 2.0% /monthCDF 10,850–651,160🏦Asset FinanceKinshasa Microfinance · 2.2% /monthCDF 434,110–21,705,430🏦Asset FinanceLubumbashi Microfinance · 2.2% /monthCDF 434,110–21,705,430🏦Asset FinanceGoma Microfinance · 2.2% /monthCDF 434,110–21,705,430
Open Zuma Loans →

Related modules

📊 Zuma Budget🤝 Zuma Lenders💳 Zuma Pay