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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 Nigeria — repaid automatically from your wallet.

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⚡ Zuma Escrow Nigeria Zuma Escrow pool · pool NGN 60,077,520

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

Zuma Instant · 6.0% /month · up to 360,470Zuma Business Boost · 4.5% /month · up to 1,201,550Zuma School Fees · 3.5% /month · up to 720,930
SACCO

Agri Input Loan

Enugu Community SACCO · Enugu · ★ 4.4
1.5% /month
NGN 60,080 – 1,802,330 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Abuja Community SACCO · Abuja · ★ 4.3
2.0% /month
NGN 6,010 – 360,470 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 120,160Apply
SACCO

Emergency Loan

Lagos Community SACCO · Lagos · ★ 4.1
2.0% /month
NGN 6,010 – 360,470 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 120,160Apply
SACCO

Emergency Loan

Kano Community SACCO · Kano · ★ 4.0
2.0% /month
NGN 6,010 – 360,470 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 120,160Apply
SACCO

Emergency Loan

Ibadan Community SACCO · Ibadan · ★ 4.7
2.0% /month
NGN 6,010 – 360,470 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 120,160Apply
SACCO

Emergency Loan

Port Harcourt Community SACCO · Port Harcourt · ★ 4.9
2.0% /month
NGN 6,010 – 360,470 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 120,160Apply
SACCO

Emergency Loan

Benin City Community SACCO · Benin City · ★ 4.6
2.0% /month
NGN 6,010 – 360,470 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 120,160Apply
SACCO

Emergency Loan

Kaduna Community SACCO · Kaduna · ★ 4.6
2.0% /month
NGN 6,010 – 360,470 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 120,160Apply
SACCO

Emergency Loan

Enugu Community SACCO · Enugu · ★ 4.4
2.0% /month
NGN 6,010 – 360,470 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 120,160Apply
Microfinance

Asset Finance

Abuja Microfinance · Abuja · ★ 4.0
2.2% /month
NGN 240,310 – 12,015,500 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Lagos Microfinance · Lagos · ★ 4.6
2.2% /month
NGN 240,310 – 12,015,500 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Kano Microfinance · Kano · ★ 4.4
2.2% /month
NGN 240,310 – 12,015,500 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Ibadan Microfinance · Ibadan · ★ 4.6
2.2% /month
NGN 240,310 – 12,015,500 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Port Harcourt Microfinance · Port Harcourt · ★ 4.8
2.2% /month
NGN 240,310 – 12,015,500 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Benin City Microfinance · Benin City · ★ 3.9
2.2% /month
NGN 240,310 – 12,015,500 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Kaduna Microfinance · Kaduna · ★ 4.7
2.2% /month
NGN 240,310 – 12,015,500 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Enugu Microfinance · Enugu · ★ 4.2
2.2% /month
NGN 240,310 – 12,015,500 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Abuja Microfinance · Abuja · ★ 4.0
3.0% /month
NGN 60,080 – 6,007,750 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
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.