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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
Microfinance

Biashara Working Capital

Mombasa Microfinance · Mombasa · ★ 4.7
3.0% /month
KES 5,000 – 500,000 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Kisumu Microfinance · Kisumu · ★ 4.6
3.0% /month
KES 5,000 – 500,000 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Nakuru Microfinance · Nakuru · ★ 4.7
3.0% /month
KES 5,000 – 500,000 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Eldoret Microfinance · Eldoret · ★ 4.0
3.0% /month
KES 5,000 – 500,000 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Thika Microfinance · Thika · ★ 4.3
3.0% /month
KES 5,000 – 500,000 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Nyeri Microfinance · Nyeri · ★ 4.6
3.0% /month
KES 5,000 – 500,000 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Machakos Microfinance · Machakos · ★ 4.8
3.0% /month
KES 5,000 – 500,000 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Nairobi Microfinance · Nairobi · ★ 4.2
5.0% flat
KES 1,000 – 50,000 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 20,000Apply
Microfinance

Salary Advance

Mombasa Microfinance · Mombasa · ★ 4.7
5.0% flat
KES 1,000 – 50,000 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 20,000Apply
Microfinance

Salary Advance

Kisumu Microfinance · Kisumu · ★ 4.6
5.0% flat
KES 1,000 – 50,000 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 20,000Apply
Microfinance

Salary Advance

Nakuru Microfinance · Nakuru · ★ 4.7
5.0% flat
KES 1,000 – 50,000 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 20,000Apply
Microfinance

Salary Advance

Eldoret Microfinance · Eldoret · ★ 4.0
5.0% flat
KES 1,000 – 50,000 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 20,000Apply
Microfinance

Salary Advance

Thika Microfinance · Thika · ★ 4.3
5.0% flat
KES 1,000 – 50,000 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 20,000Apply
Microfinance

Salary Advance

Nyeri Microfinance · Nyeri · ★ 4.6
5.0% flat
KES 1,000 – 50,000 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 20,000Apply
Microfinance

Salary Advance

Machakos Microfinance · Machakos · ★ 4.8
5.0% flat
KES 1,000 – 50,000 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 20,000Apply
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.