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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 Zambia — repaid automatically from your wallet.

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⚡ Zuma Escrow Zambia Zuma Escrow pool · pool ZMW 1,027,130

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

Zuma Instant · 6.0% /month · up to 6,160Zuma Business Boost · 4.5% /month · up to 20,540Zuma School Fees · 3.5% /month · up to 12,330
Zuma Escrow

Zuma School Fees

Zuma Escrow Zambia · Nationwide · ★ 4.8
3.5% /month
ZMW 1,030 – 12,330 · 30–120 days · fee 1.50% · KYC tier 1+ · score 500+ · ⚡ instant up to 4,110Apply
Zuma Escrow

Zuma Business Boost

Zuma Escrow Zambia · Nationwide · ★ 4.8
4.5% /month
ZMW 1,030 – 20,540 · 30–180 days · fee 2.50% · KYC tier 2+ · score 550+ Apply
Zuma Escrow

Zuma Instant

Zuma Escrow Zambia · Nationwide · ★ 4.8
6.0% /month
ZMW 100 – 6,160 · 7–30 days · fee 2.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,050Apply
SACCO

Member Loan

Lusaka Community SACCO · Lusaka · ★ 4.2
1.2% /month
ZMW 210 – 41,090 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 3,080Apply
SACCO

Member Loan

Kitwe Community SACCO · Kitwe · ★ 3.8
1.2% /month
ZMW 210 – 41,090 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 3,080Apply
SACCO

Member Loan

Ndola Community SACCO · Ndola · ★ 4.4
1.2% /month
ZMW 210 – 41,090 · 30–365 days · fee 1.00% · KYC tier 1+ · score 500+ · ⚡ instant up to 3,080Apply
SACCO

Agri Input Loan

Lusaka Community SACCO · Lusaka · ★ 4.2
1.5% /month
ZMW 1,030 – 30,810 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Kitwe Community SACCO · Kitwe · ★ 3.8
1.5% /month
ZMW 1,030 – 30,810 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Agri Input Loan

Ndola Community SACCO · Ndola · ★ 4.4
1.5% /month
ZMW 1,030 – 30,810 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Lusaka Community SACCO · Lusaka · ★ 4.2
2.0% /month
ZMW 100 – 6,160 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,050Apply
SACCO

Emergency Loan

Kitwe Community SACCO · Kitwe · ★ 3.8
2.0% /month
ZMW 100 – 6,160 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,050Apply
SACCO

Emergency Loan

Ndola Community SACCO · Ndola · ★ 4.4
2.0% /month
ZMW 100 – 6,160 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 2,050Apply
Microfinance

Asset Finance

Lusaka Microfinance · Lusaka · ★ 3.9
2.2% /month
ZMW 4,110 – 205,430 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Kitwe Microfinance · Kitwe · ★ 4.1
2.2% /month
ZMW 4,110 – 205,430 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Ndola Microfinance · Ndola · ★ 4.7
2.2% /month
ZMW 4,110 – 205,430 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Lusaka Microfinance · Lusaka · ★ 3.9
3.0% /month
ZMW 1,030 – 102,710 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Kitwe Microfinance · Kitwe · ★ 4.1
3.0% /month
ZMW 1,030 – 102,710 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Ndola Microfinance · Ndola · ★ 4.7
3.0% /month
ZMW 1,030 – 102,710 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
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.