Zuma is live in: All markets →

🏦 Zuma Loans

Your Zuma activity is your credit history. Instant loans from the Zuma Escrow pool, marketplace loans from verified lenders in DR Congo — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow DR Congo Zuma Escrow pool · pool CDF 108,527,130

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

Zuma Instant · 6.0% /month · up to 651,160Zuma Business Boost · 4.5% /month · up to 2,170,540Zuma School Fees · 3.5% /month · up to 1,302,330
Zuma Escrow

Zuma School Fees

Zuma Escrow DR Congo · Nationwide · ★ 4.8
3.5% /month
CDF 108,530 – 1,302,330 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 434,110Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow DR Congo · Nationwide · ★ 4.8
4.5% /month
CDF 108,530 – 2,170,540 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow DR Congo · Nationwide · ★ 4.8
6.0% /month
CDF 10,850 – 651,160 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 217,050Apply
SACCO

Member Loan

Kinshasa Community SACCO · Kinshasa · ★ 3.8
1.2% /month
CDF 21,710 – 4,341,090 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 325,580Apply
SACCO

Member Loan

Lubumbashi Community SACCO · Lubumbashi · ★ 4.5
1.2% /month
CDF 21,710 – 4,341,090 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 325,580Apply
SACCO

Member Loan

Goma Community SACCO · Goma · ★ 4.1
1.2% /month
CDF 21,710 – 4,341,090 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 325,580Apply
SACCO

Agri Input Loan

Kinshasa Community SACCO · Kinshasa · ★ 3.8
1.5% /month
CDF 108,530 – 3,255,810 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Lubumbashi Community SACCO · Lubumbashi · ★ 4.5
1.5% /month
CDF 108,530 – 3,255,810 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Goma Community SACCO · Goma · ★ 4.1
1.5% /month
CDF 108,530 – 3,255,810 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Kinshasa Community SACCO · Kinshasa · ★ 3.8
2.0% /month
CDF 10,850 – 651,160 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 217,050Apply
SACCO

Emergency Loan

Lubumbashi Community SACCO · Lubumbashi · ★ 4.5
2.0% /month
CDF 10,850 – 651,160 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 217,050Apply
SACCO

Emergency Loan

Goma Community SACCO · Goma · ★ 4.1
2.0% /month
CDF 10,850 – 651,160 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 217,050Apply
Microfinance

Asset Finance

Kinshasa Microfinance · Kinshasa · ★ 4.6
2.2% /month
CDF 434,110 – 21,705,430 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Lubumbashi Microfinance · Lubumbashi · ★ 4.1
2.2% /month
CDF 434,110 – 21,705,430 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Goma Microfinance · Goma · ★ 4.1
2.2% /month
CDF 434,110 – 21,705,430 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Kinshasa Microfinance · Kinshasa · ★ 4.6
3.0% /month
CDF 108,530 – 10,852,710 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Lubumbashi Microfinance · Lubumbashi · ★ 4.1
3.0% /month
CDF 108,530 – 10,852,710 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Goma Microfinance · Goma · ★ 4.1
3.0% /month
CDF 108,530 – 10,852,710 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
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.