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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.

FinanceLoansLendersWallet

⚡ 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
Microfinance

Salary Advance

Durban Microfinance · Durban · ★ 4.8
5.0% flat
ZAR 140 – 7,050 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,820Apply
Microfinance

Salary Advance

Gqeberha Microfinance · Gqeberha · ★ 4.2
5.0% flat
ZAR 140 – 7,050 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,820Apply
Microfinance

Salary Advance

Bloemfontein Microfinance · Bloemfontein · ★ 3.8
5.0% flat
ZAR 140 – 7,050 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,820Apply
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.