Will I get repaid? If so, when?

Zomia strives to ensure that every lender is repaid in full, but full repayment is not guaranteed. Mechanisms such as repayment pooling and incentives during repayment are used to encourage repayment and reduce risk, but Zomia’s loans are unsecured. (No homes or land can be seized in the event of loan default.)

Repayment typically takes at least two years, with larger loans taking a decade or longer. Loans are listed with a target repayment start date and contract duration. Contracts range from ten to twenty years depending upon the amount borrowed and may be extended via deferments. If the contract period elapses before a loan is repaid and all contract requirements have been met, the remaining debt is forgiven.