Zuma is live in: All markets →

🏦 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.

FinanceLoansLendersWallet

⚡ 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
Microfinance

Salary Advance

Lusaka Microfinance · Lusaka · ★ 3.9
5.0% flat
ZMW 210 – 10,270 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 4,110Apply
Microfinance

Salary Advance

Kitwe Microfinance · Kitwe · ★ 4.1
5.0% flat
ZMW 210 – 10,270 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 4,110Apply
Microfinance

Salary Advance

Ndola Microfinance · Ndola · ★ 4.7
5.0% flat
ZMW 210 – 10,270 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 4,110Apply
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.