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🏦 Zuma Loans

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

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⚡ Zuma Escrow Eritrea Zuma Escrow pool · pool ERN 581,400

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

Zuma Instant · 6.0% /month · up to 3,490Zuma Business Boost · 4.5% /month · up to 11,630Zuma School Fees · 3.5% /month · up to 6,980
Zuma Escrow

Zuma School Fees

Zuma Escrow Eritrea · Nationwide · ★ 4.8
3.5% /month
ERN 580 – 6,980 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,330Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Eritrea · Nationwide · ★ 4.8
4.5% /month
ERN 580 – 11,630 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Eritrea · Nationwide · ★ 4.8
6.0% /month
ERN 58 – 3,490 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,160Apply
SACCO

Member Loan

Asmara Community SACCO · Asmara · ★ 4.0
1.2% /month
ERN 120 – 23,260 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 1,740Apply
SACCO

Agri Input Loan

Asmara Community SACCO · Asmara · ★ 4.0
1.5% /month
ERN 580 – 17,440 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Asmara Community SACCO · Asmara · ★ 4.0
2.0% /month
ERN 58 – 3,490 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,160Apply
Microfinance

Asset Finance

Asmara Microfinance · Asmara · ★ 4.9
2.2% /month
ERN 2,330 – 116,280 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Asmara Microfinance · Asmara · ★ 4.9
3.0% /month
ERN 580 – 58,140 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Asmara Microfinance · Asmara · ★ 4.9
5.0% flat
ERN 120 – 5,810 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,330Apply
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.