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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

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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.