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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 Kenya — repaid automatically from your wallet.

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⚡ Zuma Escrow Kenya Zuma Escrow pool · pool KES 5,000,000

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

Zuma Instant · 6.0% /month · up to 30,000Zuma Business Boost · 4.5% /month · up to 100,000Zuma School Fees · 3.5% /month · up to 60,000
Zuma Escrow

Zuma School Fees

Zuma Escrow Kenya · Nationwide · ★ 4.8
3.5% /month
KES 5,000 – 60,000 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 20,000Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Kenya · Nationwide · ★ 4.8
4.5% /month
KES 5,000 – 100,000 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Kenya · Nationwide · ★ 4.8
6.0% /month
KES 500 – 30,000 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,000Apply
SACCO

Member Loan

Nairobi Community SACCO · Nairobi · ★ 4.0
1.2% /month
KES 1,000 – 200,000 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 15,000Apply
SACCO

Member Loan

Mombasa Community SACCO · Mombasa · ★ 4.6
1.2% /month
KES 1,000 – 200,000 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 15,000Apply
SACCO

Member Loan

Kisumu Community SACCO · Kisumu · ★ 3.8
1.2% /month
KES 1,000 – 200,000 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 15,000Apply
SACCO

Member Loan

Nakuru Community SACCO · Nakuru · ★ 4.3
1.2% /month
KES 1,000 – 200,000 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 15,000Apply
SACCO

Member Loan

Eldoret Community SACCO · Eldoret · ★ 3.9
1.2% /month
KES 1,000 – 200,000 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 15,000Apply
SACCO

Member Loan

Thika Community SACCO · Thika · ★ 4.2
1.2% /month
KES 1,000 – 200,000 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 15,000Apply
SACCO

Member Loan

Nyeri Community SACCO · Nyeri · ★ 4.5
1.2% /month
KES 1,000 – 200,000 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 15,000Apply
SACCO

Member Loan

Machakos Community SACCO · Machakos · ★ 4.5
1.2% /month
KES 1,000 – 200,000 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 15,000Apply
SACCO

Agri Input Loan

Nairobi Community SACCO · Nairobi · ★ 4.0
1.5% /month
KES 5,000 – 150,000 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Mombasa Community SACCO · Mombasa · ★ 4.6
1.5% /month
KES 5,000 – 150,000 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Kisumu Community SACCO · Kisumu · ★ 3.8
1.5% /month
KES 5,000 – 150,000 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Nakuru Community SACCO · Nakuru · ★ 4.3
1.5% /month
KES 5,000 – 150,000 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Eldoret Community SACCO · Eldoret · ★ 3.9
1.5% /month
KES 5,000 – 150,000 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Thika Community SACCO · Thika · ★ 4.2
1.5% /month
KES 5,000 – 150,000 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Nyeri Community SACCO · Nyeri · ★ 4.5
1.5% /month
KES 5,000 – 150,000 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ 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.