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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 Somalia — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Somalia Zuma Escrow pool · pool SOS 22,131,780

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

Zuma Instant · 6.0% /month · up to 132,790Zuma Business Boost · 4.5% /month · up to 442,640Zuma School Fees · 3.5% /month · up to 265,580
Zuma Escrow

Zuma School Fees

Zuma Escrow Somalia · Nationwide · ★ 4.8
3.5% /month
SOS 22,130 – 265,580 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 88,530Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Somalia · Nationwide · ★ 4.8
4.5% /month
SOS 22,130 – 442,640 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Somalia · Nationwide · ★ 4.8
6.0% /month
SOS 2,210 – 132,790 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 44,260Apply
SACCO

Member Loan

Mogadishu Community SACCO · Mogadishu · ★ 3.8
1.2% /month
SOS 4,430 – 885,270 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 66,400Apply
SACCO

Member Loan

Hargeisa Community SACCO · Hargeisa · ★ 4.5
1.2% /month
SOS 4,430 – 885,270 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 66,400Apply
SACCO

Agri Input Loan

Mogadishu Community SACCO · Mogadishu · ★ 3.8
1.5% /month
SOS 22,130 – 663,950 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Hargeisa Community SACCO · Hargeisa · ★ 4.5
1.5% /month
SOS 22,130 – 663,950 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Mogadishu Community SACCO · Mogadishu · ★ 3.8
2.0% /month
SOS 2,210 – 132,790 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 44,260Apply
SACCO

Emergency Loan

Hargeisa Community SACCO · Hargeisa · ★ 4.5
2.0% /month
SOS 2,210 – 132,790 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 44,260Apply
Microfinance

Asset Finance

Mogadishu Microfinance · Mogadishu · ★ 3.9
2.2% /month
SOS 88,530 – 4,426,360 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Hargeisa Microfinance · Hargeisa · ★ 4.8
2.2% /month
SOS 88,530 – 4,426,360 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Mogadishu Microfinance · Mogadishu · ★ 3.9
3.0% /month
SOS 22,130 – 2,213,180 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Hargeisa Microfinance · Hargeisa · ★ 4.8
3.0% /month
SOS 22,130 – 2,213,180 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Mogadishu Microfinance · Mogadishu · ★ 3.9
5.0% flat
SOS 4,430 – 221,320 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 88,530Apply
Microfinance

Salary Advance

Hargeisa Microfinance · Hargeisa · ★ 4.8
5.0% flat
SOS 4,430 – 221,320 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 88,530Apply
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.