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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
Microfinance

Asset Finance

Takoradi Microfinance · Takoradi · ★ 4.7
2.2% /month
GHS 2,400 – 120,160 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Accra Microfinance · Accra · ★ 4.0
3.0% /month
GHS 600 – 60,080 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Kumasi Microfinance · Kumasi · ★ 4.5
3.0% /month
GHS 600 – 60,080 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Tamale Microfinance · Tamale · ★ 4.3
3.0% /month
GHS 600 – 60,080 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Takoradi Microfinance · Takoradi · ★ 4.7
3.0% /month
GHS 600 – 60,080 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Accra Microfinance · Accra · ★ 4.0
5.0% flat
GHS 120 – 6,010 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,400Apply
Microfinance

Salary Advance

Kumasi Microfinance · Kumasi · ★ 4.5
5.0% flat
GHS 120 – 6,010 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,400Apply
Microfinance

Salary Advance

Tamale Microfinance · Tamale · ★ 4.3
5.0% flat
GHS 120 – 6,010 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,400Apply
Microfinance

Salary Advance

Takoradi Microfinance · Takoradi · ★ 4.7
5.0% flat
GHS 120 – 6,010 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,400Apply
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.