Fuel advances
Fill up now and repay from the next few payouts. Sized to what you typically earn in a week, not to what you hope to earn.
ThumaCredit
Fuel your earnings. Pay from what you earn.
Credit built for people whose income arrives in small amounts, often — drivers, couriers and traders. Advances are scored from what you actually do on the platform, repaid automatically from future payouts, at one flat cost shown in full before you accept.
Flat fee, disclosed up frontRepaid from payoutsNo compounding
Advance breakdown — illustrativeExample
You receive today$50.00
Flat fee (8%)$4.00
IMTT (2%, statutory)$1.00
Deducted per payout (5 payouts)$11.00
Total repayable$55.00
One flat fee. No compounding, no rollover, and no penalty that grows while you are not looking. Repaying early does not increase the cost.
Products
Credit shaped to the job
Vehicle maintenance
Cover a repair that would otherwise stop you working. Paid to the garage directly where that is the faster route back on the road.
Working capital
Short-term capital for traders and small businesses with platform history, repaid from takings rather than on a fixed monthly date.
Merchant advances
For businesses collecting through ThumaPay, an advance against future collections, repaid as a share of each day's takings.
Payroll advance
Employers can let staff draw earned wages before payday, with the cost shown to the employee before they take it.
Asset finance
Longer-term, asset-backed financing towards a vehicle or equipment, where the asset itself supports the facility.
Buy-now-pay-later at checkout is part of the same roadmap, and will launch once the microfinance licence is granted and consumer-credit disclosure is built into the flow.
Underwriting
Scored on what you do, not who you know
Traditional credit scoring fails people with no bank history and no payslip. Platform activity is a better signal, and we already hold it — with permission, and for this purpose.
Platform history
Completed trips or deliveries, earnings consistency, cancellations and ratings over time — evidence of a working pattern, not a snapshot.
Mobility telemetry
Route and activity data from work already done on Thuma services, used to assess whether an advance is affordable from realistic earnings.
Repayment behaviour
How previous advances were repaid. Repaying well raises your limit; missed repayments lower it before it becomes a problem.
01
You request an amount
Against a limit already calculated from your activity. You see the limit before you ask, so there is no speculative application.
02
The cost is shown in full
Amount, flat fee, statutory tax, per-payout deduction and total repayable — on one screen, before you accept.
03
Funds land immediately
Approved advances disburse to your ThumaPay wallet in real time, because a fuel advance that arrives tomorrow is useless.
04
Repayment happens automatically
A fixed share of each payout is applied until the advance is cleared. The remaining balance is visible at any time.
Responsible lending
The rules we hold ourselves to
What we will do
Show the total cost in cash terms before you accept. Size advances to demonstrated earnings. Cap what any one person can hold at a time. Let you repay early without penalty. Tell you when a request is declined, and why.
What we will not do
Roll an unpaid advance into a bigger one. Compound fees. Charge a penalty that grows silently. Advertise more credit to someone whose history says they should not take it. Call something a loan when it is structured as an advance.
Where we stand
ThumaCredit and licensing
Credit products fall under the microfinance licence being sought from the Reserve Bank of Zimbabwe. Nothing is lent until that is granted.
Reserve Bank of Zimbabwe
Payment Service Provider (PSP)
National Payment Systems Act [Chapter 24:23]
Reserve Bank of Zimbabwe
Electronic Money Issuer (EMI)
National Payment Systems Act [Chapter 24:23]
Reserve Bank of Zimbabwe
Microfinance licence
Microfinance Act [Chapter 24:29]
IPEC
Insurance agent registration
Insurance Act [Chapter 24:07]
Reserve Bank of Zimbabwe
Deposit-Taking Microfinance (DTMFI)
Microfinance Act [Chapter 24:29]
ThumaPay Zimbabwe (Pvt) Limited does not currently hold customer funds and does not offer regulated financial services. Each service described on this site will be made available only after the relevant authorisation has been granted. Licence references will be published here as they are issued.
Questions
About advances
It is structured as an advance against future platform earnings, repaid automatically from those earnings. We use the word advance because that is what it is, and we show the cost in cash rather than hiding it in an interest rate.
A single flat fee on the amount advanced, shown in cash terms before you accept, plus statutory tax itemised separately. The example on this page shows the shape; live rates are set once the licence is granted.
Because repayment is a share of what you earn, a slow week means slower repayment rather than a missed payment. If you stop earning entirely, contact us — we would rather restructure than let a balance sit and grow.
No. Advances do not change how jobs are allocated on any Thuma platform. Lending and dispatch are deliberately kept separate.
Initially, verified drivers and merchants with enough platform history for the score to be meaningful. Broader eligibility follows as the model is proven.
Working capital, when it is authorised
Register interest and we will tell you what your limit looks like as soon as ThumaCredit opens.