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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 Uganda — repaid automatically from your wallet.

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⚡ Zuma Escrow Uganda Zuma Escrow pool · pool UGX 143,410,850

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

Zuma Instant · 6.0% /month · up to 860,470Zuma Business Boost · 4.5% /month · up to 2,868,220Zuma School Fees · 3.5% /month · up to 1,720,930
Microfinance

Asset Finance

Kampala Microfinance · Kampala · ★ 4.0
2.2% /month
UGX 573,640 – 28,682,170 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Gulu Microfinance · Gulu · ★ 3.9
2.2% /month
UGX 573,640 – 28,682,170 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Mbarara Microfinance · Mbarara · ★ 4.3
2.2% /month
UGX 573,640 – 28,682,170 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Jinja Microfinance · Jinja · ★ 4.1
2.2% /month
UGX 573,640 – 28,682,170 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Entebbe Microfinance · Entebbe · ★ 4.3
2.2% /month
UGX 573,640 – 28,682,170 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Kampala Microfinance · Kampala · ★ 4.0
3.0% /month
UGX 143,410 – 14,341,090 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Gulu Microfinance · Gulu · ★ 3.9
3.0% /month
UGX 143,410 – 14,341,090 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Mbarara Microfinance · Mbarara · ★ 4.3
3.0% /month
UGX 143,410 – 14,341,090 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Jinja Microfinance · Jinja · ★ 4.1
3.0% /month
UGX 143,410 – 14,341,090 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Entebbe Microfinance · Entebbe · ★ 4.3
3.0% /month
UGX 143,410 – 14,341,090 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Kampala Microfinance · Kampala · ★ 4.0
5.0% flat
UGX 28,680 – 1,434,110 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 573,640Apply
Microfinance

Salary Advance

Gulu Microfinance · Gulu · ★ 3.9
5.0% flat
UGX 28,680 – 1,434,110 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 573,640Apply
Microfinance

Salary Advance

Mbarara Microfinance · Mbarara · ★ 4.3
5.0% flat
UGX 28,680 – 1,434,110 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 573,640Apply
Microfinance

Salary Advance

Jinja Microfinance · Jinja · ★ 4.1
5.0% flat
UGX 28,680 – 1,434,110 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 573,640Apply
Microfinance

Salary Advance

Entebbe Microfinance · Entebbe · ★ 4.3
5.0% flat
UGX 28,680 – 1,434,110 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 573,640Apply
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.