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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 Tunisia — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Tunisia Zuma Escrow pool · pool TND 120,160

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

Zuma Instant · 6.0% /month · up to 720Zuma Business Boost · 4.5% /month · up to 2,400Zuma School Fees · 3.5% /month · up to 1,440
Zuma Escrow

Zuma School Fees

Zuma Escrow Tunisia · Nationwide · ★ 4.8
3.5% /month
TND 120 – 1,440 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 480Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Tunisia · Nationwide · ★ 4.8
4.5% /month
TND 120 – 2,400 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Tunisia · Nationwide · ★ 4.8
6.0% /month
TND 12 – 720 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240Apply
SACCO

Member Loan

Tunis Community SACCO · Tunis · ★ 3.8
1.2% /month
TND 24 – 4,810 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 360Apply
SACCO

Member Loan

Sfax Community SACCO · Sfax · ★ 4.9
1.2% /month
TND 24 – 4,810 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 360Apply
SACCO

Agri Input Loan

Tunis Community SACCO · Tunis · ★ 3.8
1.5% /month
TND 120 – 3,600 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Sfax Community SACCO · Sfax · ★ 4.9
1.5% /month
TND 120 – 3,600 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Tunis Community SACCO · Tunis · ★ 3.8
2.0% /month
TND 12 – 720 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240Apply
SACCO

Emergency Loan

Sfax Community SACCO · Sfax · ★ 4.9
2.0% /month
TND 12 – 720 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240Apply
Microfinance

Asset Finance

Tunis Microfinance · Tunis · ★ 4.7
2.2% /month
TND 480 – 24,030 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Sfax Microfinance · Sfax · ★ 3.9
2.2% /month
TND 480 – 24,030 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Tunis Microfinance · Tunis · ★ 4.7
3.0% /month
TND 120 – 12,020 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Sfax Microfinance · Sfax · ★ 3.9
3.0% /month
TND 120 – 12,020 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Tunis Microfinance · Tunis · ★ 4.7
5.0% flat
TND 24 – 1,200 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 480Apply
Microfinance

Salary Advance

Sfax Microfinance · Sfax · ★ 3.9
5.0% flat
TND 24 – 1,200 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 480Apply
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.