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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 South Africa — repaid automatically from your wallet.

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⚡ Zuma Escrow South Africa Zuma Escrow pool · pool ZAR 705,430

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

Zuma Instant · 6.0% /month · up to 4,230Zuma Business Boost · 4.5% /month · up to 14,110Zuma School Fees · 3.5% /month · up to 8,470
Zuma Escrow

Zuma School Fees

Zuma Escrow South Africa · Nationwide · ★ 4.8
3.5% /month
ZAR 710 – 8,470 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,820Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow South Africa · Nationwide · ★ 4.8
4.5% /month
ZAR 710 – 14,110 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow South Africa · Nationwide · ★ 4.8
6.0% /month
ZAR 71 – 4,230 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,410Apply
SACCO

Member Loan

Pretoria Community SACCO · Pretoria · ★ 4.4
1.2% /month
ZAR 140 – 28,220 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,120Apply
SACCO

Member Loan

Johannesburg Community SACCO · Johannesburg · ★ 4.9
1.2% /month
ZAR 140 – 28,220 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,120Apply
SACCO

Member Loan

Cape Town Community SACCO · Cape Town · ★ 4.1
1.2% /month
ZAR 140 – 28,220 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,120Apply
SACCO

Member Loan

Durban Community SACCO · Durban · ★ 3.9
1.2% /month
ZAR 140 – 28,220 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,120Apply
SACCO

Member Loan

Gqeberha Community SACCO · Gqeberha · ★ 4.6
1.2% /month
ZAR 140 – 28,220 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,120Apply
SACCO

Member Loan

Bloemfontein Community SACCO · Bloemfontein · ★ 4.8
1.2% /month
ZAR 140 – 28,220 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 2,120Apply
SACCO

Agri Input Loan

Pretoria Community SACCO · Pretoria · ★ 4.4
1.5% /month
ZAR 710 – 21,160 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Johannesburg Community SACCO · Johannesburg · ★ 4.9
1.5% /month
ZAR 710 – 21,160 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Cape Town Community SACCO · Cape Town · ★ 4.1
1.5% /month
ZAR 710 – 21,160 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Durban Community SACCO · Durban · ★ 3.9
1.5% /month
ZAR 710 – 21,160 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Gqeberha Community SACCO · Gqeberha · ★ 4.6
1.5% /month
ZAR 710 – 21,160 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Bloemfontein Community SACCO · Bloemfontein · ★ 4.8
1.5% /month
ZAR 710 – 21,160 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Pretoria Community SACCO · Pretoria · ★ 4.4
2.0% /month
ZAR 71 – 4,230 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,410Apply
SACCO

Emergency Loan

Johannesburg Community SACCO · Johannesburg · ★ 4.9
2.0% /month
ZAR 71 – 4,230 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,410Apply
SACCO

Emergency Loan

Cape Town Community SACCO · Cape Town · ★ 4.1
2.0% /month
ZAR 71 – 4,230 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 1,410Apply
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.