ZUMA
One Continent, One Wallet
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ZUMA
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Credit priced on what you actually do, not what you can prove on paper. Live across Pretoria and priced in ZAR.
Everything is priced in ZAR (R). No foreign card required.
Payments in this market fall under South African Reserve Bank (SARB). See our licensing status →
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 Pretoria and you can use it from the Zuma app or this website.
With VodaPay, MTN MoMo, Card, EFT and SnapScan, or from your Zuma Wallet balance. Everything is priced in ZAR.
Consumer and micro-business credit underwritten on in-app behaviour, funded by Zuma, in-app lenders or external creditors.
Zuma's payment operations in South Africa fall under South African Reserve Bank (SARB). Our current licensing status per market is listed on the Trust page.