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 Comoros — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Comoros Zuma Escrow pool · pool KMF 17,558,140

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

Zuma Instant · 6.0% /month · up to 105,350Zuma Business Boost · 4.5% /month · up to 351,160Zuma School Fees · 3.5% /month · up to 210,700
Zuma Escrow

Zuma School Fees

Zuma Escrow Comoros · Nationwide · ★ 4.8
3.5% /month
KMF 17,560 – 210,700 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 70,230Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Comoros · Nationwide · ★ 4.8
4.5% /month
KMF 17,560 – 351,160 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Comoros · Nationwide · ★ 4.8
6.0% /month
KMF 1,760 – 105,350 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 35,120Apply
SACCO

Member Loan

Moroni Community SACCO · Moroni · ★ 4.3
1.2% /month
KMF 3,510 – 702,330 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 52,670Apply
SACCO

Agri Input Loan

Moroni Community SACCO · Moroni · ★ 4.3
1.5% /month
KMF 17,560 – 526,740 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Moroni Community SACCO · Moroni · ★ 4.3
2.0% /month
KMF 1,760 – 105,350 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 35,120Apply
Microfinance

Asset Finance

Moroni Microfinance · Moroni · ★ 4.5
2.2% /month
KMF 70,230 – 3,511,630 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Moroni Microfinance · Moroni · ★ 4.5
3.0% /month
KMF 17,560 – 1,755,810 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Moroni Microfinance · Moroni · ★ 4.5
5.0% flat
KMF 3,510 – 175,580 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 70,230Apply
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.