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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 Madagascar — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Madagascar Zuma Escrow pool · pool MGA 176,356,590

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

Zuma Instant · 6.0% /month · up to 1,058,140Zuma Business Boost · 4.5% /month · up to 3,527,130Zuma School Fees · 3.5% /month · up to 2,116,280
Zuma Escrow

Zuma School Fees

Zuma Escrow Madagascar · Nationwide · ★ 4.8
3.5% /month
MGA 176,360 – 2,116,280 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 705,430Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Madagascar · Nationwide · ★ 4.8
4.5% /month
MGA 176,360 – 3,527,130 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Madagascar · Nationwide · ★ 4.8
6.0% /month
MGA 17,640 – 1,058,140 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 352,710Apply
SACCO

Member Loan

Antananarivo Community SACCO · Antananarivo · ★ 4.8
1.2% /month
MGA 35,270 – 7,054,260 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 529,070Apply
SACCO

Agri Input Loan

Antananarivo Community SACCO · Antananarivo · ★ 4.8
1.5% /month
MGA 176,360 – 5,290,700 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Antananarivo Community SACCO · Antananarivo · ★ 4.8
2.0% /month
MGA 17,640 – 1,058,140 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 352,710Apply
Microfinance

Asset Finance

Antananarivo Microfinance · Antananarivo · ★ 4.9
2.2% /month
MGA 705,430 – 35,271,320 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Antananarivo Microfinance · Antananarivo · ★ 4.9
3.0% /month
MGA 176,360 – 17,635,660 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Antananarivo Microfinance · Antananarivo · ★ 4.9
5.0% flat
MGA 35,270 – 1,763,570 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 705,430Apply
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.