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 Malawi — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Malawi Zuma Escrow pool · pool MWK 67,248,060

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

Zuma Instant · 6.0% /month · up to 403,490Zuma Business Boost · 4.5% /month · up to 1,344,960Zuma School Fees · 3.5% /month · up to 806,980
Zuma Escrow

Zuma School Fees

Zuma Escrow Malawi · Nationwide · ★ 4.8
3.5% /month
MWK 67,250 – 806,980 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 268,990Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Malawi · Nationwide · ★ 4.8
4.5% /month
MWK 67,250 – 1,344,960 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Malawi · Nationwide · ★ 4.8
6.0% /month
MWK 6,720 – 403,490 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 134,500Apply
SACCO

Member Loan

Lilongwe Community SACCO · Lilongwe · ★ 4.7
1.2% /month
MWK 13,450 – 2,689,920 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 201,740Apply
SACCO

Member Loan

Blantyre Community SACCO · Blantyre · ★ 3.8
1.2% /month
MWK 13,450 – 2,689,920 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 201,740Apply
SACCO

Agri Input Loan

Lilongwe Community SACCO · Lilongwe · ★ 4.7
1.5% /month
MWK 67,250 – 2,017,440 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Blantyre Community SACCO · Blantyre · ★ 3.8
1.5% /month
MWK 67,250 – 2,017,440 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Lilongwe Community SACCO · Lilongwe · ★ 4.7
2.0% /month
MWK 6,720 – 403,490 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 134,500Apply
SACCO

Emergency Loan

Blantyre Community SACCO · Blantyre · ★ 3.8
2.0% /month
MWK 6,720 – 403,490 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 134,500Apply
Microfinance

Asset Finance

Lilongwe Microfinance · Lilongwe · ★ 4.8
2.2% /month
MWK 268,990 – 13,449,610 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Blantyre Microfinance · Blantyre · ★ 4.5
2.2% /month
MWK 268,990 – 13,449,610 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Lilongwe Microfinance · Lilongwe · ★ 4.8
3.0% /month
MWK 67,250 – 6,724,810 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Blantyre Microfinance · Blantyre · ★ 4.5
3.0% /month
MWK 67,250 – 6,724,810 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Lilongwe Microfinance · Lilongwe · ★ 4.8
5.0% flat
MWK 13,450 – 672,480 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 268,990Apply
Microfinance

Salary Advance

Blantyre Microfinance · Blantyre · ★ 4.5
5.0% flat
MWK 13,450 – 672,480 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 268,990Apply
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.