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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 Libya — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Libya Zuma Escrow pool · pool LYD 186,050

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

Zuma Instant · 6.0% /month · up to 1,120Zuma Business Boost · 4.5% /month · up to 3,720Zuma School Fees · 3.5% /month · up to 2,230
Zuma Escrow

Zuma School Fees

Zuma Escrow Libya · Nationwide · ★ 4.8
3.5% /month
LYD 190 – 2,230 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 740Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Libya · Nationwide · ★ 4.8
4.5% /month
LYD 190 – 3,720 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Libya · Nationwide · ★ 4.8
6.0% /month
LYD 19 – 1,120 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 370Apply
SACCO

Member Loan

Tripoli Community SACCO · Tripoli · ★ 4.5
1.2% /month
LYD 37 – 7,440 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 560Apply
SACCO

Member Loan

Benghazi Community SACCO · Benghazi · ★ 4.1
1.2% /month
LYD 37 – 7,440 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 560Apply
SACCO

Agri Input Loan

Tripoli Community SACCO · Tripoli · ★ 4.5
1.5% /month
LYD 190 – 5,580 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Benghazi Community SACCO · Benghazi · ★ 4.1
1.5% /month
LYD 190 – 5,580 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Tripoli Community SACCO · Tripoli · ★ 4.5
2.0% /month
LYD 19 – 1,120 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 370Apply
SACCO

Emergency Loan

Benghazi Community SACCO · Benghazi · ★ 4.1
2.0% /month
LYD 19 – 1,120 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 370Apply
Microfinance

Asset Finance

Tripoli Microfinance · Tripoli · ★ 4.5
2.2% /month
LYD 740 – 37,210 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Benghazi Microfinance · Benghazi · ★ 4.7
2.2% /month
LYD 740 – 37,210 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Tripoli Microfinance · Tripoli · ★ 4.5
3.0% /month
LYD 190 – 18,600 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Benghazi Microfinance · Benghazi · ★ 4.7
3.0% /month
LYD 190 – 18,600 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Tripoli Microfinance · Tripoli · ★ 4.5
5.0% flat
LYD 37 – 1,860 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 740Apply
Microfinance

Salary Advance

Benghazi Microfinance · Benghazi · ★ 4.7
5.0% flat
LYD 37 – 1,860 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 740Apply
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.