ZUMA
One Continent, One Wallet
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ZUMA
Prices, payment methods and delivery all follow your choice.
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Borrow from verified lenders on Zuma or from the Zuma Escrow pool — scored, scheduled, repaid from your wallet.
Everything is priced in TZS (TSh). No foreign card required.
Payments in this market fall under Bank of Tanzania (BoT). See our licensing status →
Cities where you can use it today.
Consumer and micro-business credit underwritten on in-app behaviour, funded by Zuma, in-app lenders or external creditors.
Borrow from verified lenders on Zuma or from the Zuma Escrow pool — scored, scheduled, repaid from your wallet.
Rides taken, orders fulfilled, wallet inflows, repayment history — earned signal, not a credit bureau file.
⚙ Credit score recalculated on every settled transaction
Amount, tenure and total cost shown before applying. No hidden fees.
⚙ Offer generated within score band and market limits
Zuma balance sheet, an in-app lender, or an external creditor bidding on the loan.
⚙ Marketplace auction; best APR wins, ties broken by speed
Disbursed to the wallet in seconds; repay from wallet, earnings or mobile money.
⚙ Disbursement, repayment schedule, reminders before due date
On-time repayment raises the limit and lowers the rate automatically.
⚙ Score uplift, band promotion, next-offer regeneration
Yes. Zuma Loans is live in Tanzania and you can use it from the Zuma app or this website.
With M-Pesa (Vodacom), Tigo Pesa, Airtel Money, HaloPesa and Card, or from your Zuma Wallet balance. Everything is priced in TZS.
Consumer and micro-business credit underwritten on in-app behaviour, funded by Zuma, in-app lenders or external creditors.
Zuma's payment operations in Tanzania fall under Bank of Tanzania (BoT). Our current licensing status per market is listed on the Trust page.