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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 Ghana — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Ghana Zuma Escrow pool · pool GHS 600,780

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

Zuma Instant · 6.0% /month · up to 3,600Zuma Business Boost · 4.5% /month · up to 12,020Zuma School Fees · 3.5% /month · up to 7,210
Zuma Escrow

Zuma School Fees

Zuma Escrow Ghana · Nationwide · ★ 4.8
3.5% /month
GHS 600 – 7,210 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,400Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Ghana · Nationwide · ★ 4.8
4.5% /month
GHS 600 – 12,020 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Ghana · Nationwide · ★ 4.8
6.0% /month
GHS 60 – 3,600 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,200Apply
SACCO

Member Loan

Accra Community SACCO · Accra · ★ 4.3
1.2% /month
GHS 120 – 24,030 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 1,800Apply
SACCO

Member Loan

Kumasi Community SACCO · Kumasi · ★ 4.1
1.2% /month
GHS 120 – 24,030 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 1,800Apply
SACCO

Member Loan

Tamale Community SACCO · Tamale · ★ 4.0
1.2% /month
GHS 120 – 24,030 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 1,800Apply
SACCO

Member Loan

Takoradi Community SACCO · Takoradi · ★ 4.6
1.2% /month
GHS 120 – 24,030 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 1,800Apply
SACCO

Agri Input Loan

Accra Community SACCO · Accra · ★ 4.3
1.5% /month
GHS 600 – 18,020 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Kumasi Community SACCO · Kumasi · ★ 4.1
1.5% /month
GHS 600 – 18,020 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Tamale Community SACCO · Tamale · ★ 4.0
1.5% /month
GHS 600 – 18,020 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Takoradi Community SACCO · Takoradi · ★ 4.6
1.5% /month
GHS 600 – 18,020 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Accra Community SACCO · Accra · ★ 4.3
2.0% /month
GHS 60 – 3,600 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,200Apply
SACCO

Emergency Loan

Kumasi Community SACCO · Kumasi · ★ 4.1
2.0% /month
GHS 60 – 3,600 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,200Apply
SACCO

Emergency Loan

Tamale Community SACCO · Tamale · ★ 4.0
2.0% /month
GHS 60 – 3,600 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,200Apply
SACCO

Emergency Loan

Takoradi Community SACCO · Takoradi · ★ 4.6
2.0% /month
GHS 60 – 3,600 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,200Apply
Microfinance

Asset Finance

Accra Microfinance · Accra · ★ 4.0
2.2% /month
GHS 2,400 – 120,160 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Kumasi Microfinance · Kumasi · ★ 4.5
2.2% /month
GHS 2,400 – 120,160 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Tamale Microfinance · Tamale · ★ 4.3
2.2% /month
GHS 2,400 – 120,160 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ 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.