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 Ethiopia — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Ethiopia Zuma Escrow pool · pool ETB 4,728,680

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

Zuma Instant · 6.0% /month · up to 28,370Zuma Business Boost · 4.5% /month · up to 94,570Zuma School Fees · 3.5% /month · up to 56,740
Microfinance

Asset Finance

Bahir Dar Microfinance · Bahir Dar · ★ 4.3
2.2% /month
ETB 18,910 – 945,740 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Addis Ababa Microfinance · Addis Ababa · ★ 4.5
3.0% /month
ETB 4,730 – 472,870 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Dire Dawa Microfinance · Dire Dawa · ★ 4.0
3.0% /month
ETB 4,730 – 472,870 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Mekelle Microfinance · Mekelle · ★ 4.8
3.0% /month
ETB 4,730 – 472,870 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Bahir Dar Microfinance · Bahir Dar · ★ 4.3
3.0% /month
ETB 4,730 – 472,870 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Addis Ababa Microfinance · Addis Ababa · ★ 4.5
5.0% flat
ETB 950 – 47,290 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 18,910Apply
Microfinance

Salary Advance

Dire Dawa Microfinance · Dire Dawa · ★ 4.0
5.0% flat
ETB 950 – 47,290 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 18,910Apply
Microfinance

Salary Advance

Mekelle Microfinance · Mekelle · ★ 4.8
5.0% flat
ETB 950 – 47,290 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 18,910Apply
Microfinance

Salary Advance

Bahir Dar Microfinance · Bahir Dar · ★ 4.3
5.0% flat
ETB 950 – 47,290 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 18,910Apply
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.