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 Algeria — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Algeria Zuma Escrow pool · pool DZD 5,193,800

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

Zuma Instant · 6.0% /month · up to 31,160Zuma Business Boost · 4.5% /month · up to 103,880Zuma School Fees · 3.5% /month · up to 62,330
Zuma Escrow

Zuma School Fees

Zuma Escrow Algeria · Nationwide · ★ 4.8
3.5% /month
DZD 5,190 – 62,330 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 20,780Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Algeria · Nationwide · ★ 4.8
4.5% /month
DZD 5,190 – 103,880 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Algeria · Nationwide · ★ 4.8
6.0% /month
DZD 520 – 31,160 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,390Apply
SACCO

Member Loan

Algiers Community SACCO · Algiers · ★ 4.6
1.2% /month
DZD 1,040 – 207,750 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 15,580Apply
SACCO

Member Loan

Oran Community SACCO · Oran · ★ 4.0
1.2% /month
DZD 1,040 – 207,750 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 15,580Apply
SACCO

Agri Input Loan

Algiers Community SACCO · Algiers · ★ 4.6
1.5% /month
DZD 5,190 – 155,810 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Oran Community SACCO · Oran · ★ 4.0
1.5% /month
DZD 5,190 – 155,810 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Algiers Community SACCO · Algiers · ★ 4.6
2.0% /month
DZD 520 – 31,160 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,390Apply
SACCO

Emergency Loan

Oran Community SACCO · Oran · ★ 4.0
2.0% /month
DZD 520 – 31,160 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,390Apply
Microfinance

Asset Finance

Algiers Microfinance · Algiers · ★ 4.3
2.2% /month
DZD 20,780 – 1,038,760 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Oran Microfinance · Oran · ★ 4.3
2.2% /month
DZD 20,780 – 1,038,760 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Algiers Microfinance · Algiers · ★ 4.3
3.0% /month
DZD 5,190 – 519,380 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Oran Microfinance · Oran · ★ 4.3
3.0% /month
DZD 5,190 – 519,380 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Algiers Microfinance · Algiers · ★ 4.3
5.0% flat
DZD 1,040 – 51,940 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 20,780Apply
Microfinance

Salary Advance

Oran Microfinance · Oran · ★ 4.3
5.0% flat
DZD 1,040 – 51,940 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 20,780Apply
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.