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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 São Tomé and Príncipe — repaid automatically from your wallet.

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⚡ Zuma Escrow São Tomé and Príncipe Zuma Escrow pool · pool STN 875,970

The Zuma-operated lending pool for São Tomé and Príncipe. Instant, score-based loans repaid from your Zuma Pay wallet.

Zuma Instant · 6.0% /month · up to 5,260Zuma Business Boost · 4.5% /month · up to 17,520Zuma School Fees · 3.5% /month · up to 10,510
Zuma Escrow

Zuma School Fees

Zuma Escrow São Tomé and Príncipe · Nationwide · ★ 4.8
3.5% /month
STN 880 – 10,510 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 3,500Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow São Tomé and Príncipe · Nationwide · ★ 4.8
4.5% /month
STN 880 – 17,520 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow São Tomé and Príncipe · Nationwide · ★ 4.8
6.0% /month
STN 88 – 5,260 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,750Apply
SACCO

Member Loan

São Tomé Community SACCO · São Tomé · ★ 4.0
1.2% /month
STN 180 – 35,040 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,630Apply
SACCO

Agri Input Loan

São Tomé Community SACCO · São Tomé · ★ 4.0
1.5% /month
STN 880 – 26,280 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

São Tomé Community SACCO · São Tomé · ★ 4.0
2.0% /month
STN 88 – 5,260 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,750Apply
Microfinance

Asset Finance

São Tomé Microfinance · São Tomé · ★ 3.9
2.2% /month
STN 3,500 – 175,190 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

São Tomé Microfinance · São Tomé · ★ 3.9
3.0% /month
STN 880 – 87,600 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

São Tomé Microfinance · São Tomé · ★ 3.9
5.0% flat
STN 180 – 8,760 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 3,500Apply
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.