Ajo · Savings · Loans — One Platform

Your Money,
Working Together

Nigeria's most complete community finance platform. Run Ajo circles, build personal savings, and access fair loans — all verified, automated, and transparent.

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Ajo Circles Smart Savings Fast Loans KYC Verified
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Ajo Wallet

₦48,500

+₦12,000 this week

Savings

₦125,000

+₦3,200 interest

Loan Due

₦15,600

Due Mar 1, 2026

Recent Activity

Ajo Contribution

Sunrise Circle

−₦5,000

Auto-Debit

House Savings Plan

−₦10,000

Payout Received

Sunrise Circle

+₦50,000

Interest Credited

Fixed Savings

+₦833
₦0

Setup fee, ever

3

Modules in one app

100%

Automated payouts

KYC

Every member verified

Three Pillars

One Platform.
Three Ways to Grow.

Ajo Circles

Digital Thrift, Done Right

Run your Ajo, Esusu, or Adashe circle with full automation. Contributions collected on schedule, payouts disbursed instantly, disputes handled transparently — no WhatsApp chaos.

  • Automated contribution collection
  • Transparent bidding & payout rotation
  • KYC-verified members only
  • Max 2 groups per member — safe by design
  • Full dispute resolution system
Sunrise Circle Active
AO
Ada O. ₦5,000
BK
Bode K. ₦5,000
CI
Chioma I. Receiving ✓
DF
Dele F. ₦5,000
Next payout: Mar 1 Pool: ₦20,000

Flex Save

Withdraw anytime

₦48,500

Fixed Save

8% p.a. interest · 180d left

₦125,000

House Fund

Target: ₦200,000 · 37%

₦75,000

+₦833 interest credited today 💹

Smart Savings

Save Smarter, Grow Faster

Three savings modes for every goal. Lock funds for interest, set targets with auto-debit, or keep a flexible pot — all separate from your Ajo wallet.

  • Flex Save — no lockdown, withdraw anytime
  • Fixed Save — earn up to 8% p.a. interest
  • Target Save — auto-debit until goal reached
  • Monthly interest credited automatically
  • Pause or adjust plans at any time
Fast Loans

Borrow Fairly. Repay Simply.

Apply in minutes, get reviewed within 24 hours, and receive funds directly in your wallet. Transparent repayment schedules with no hidden fees.

  • ₦5,000 – ₦500,000 available
  • Fair reducing-balance interest
  • Automatic repayment schedule generated
  • Repay from your wallet with one tap
  • Credit standing built over time

Outstanding Balance

₦46,800

of ₦60,000 total · 22% repaid

1 Jan 1 ₦13,200 paid
2 Feb 1 ₦13,200 paid
3 Mar 1 ₦13,200 due soon
4 Apr 1 ₦13,200 pending

Built for Trust

Every feature you need

KYC Verification

Identity-verified members across all three modules. No anonymous accounts.

Auto Collections

Ajo contributions and savings auto-debits processed on schedule. 3 retries on failure.

Instant Wallet

One wallet powers Ajo, savings deposits and loan repayments seamlessly.

Interest Engine

Monthly interest auto-credited to fixed savings plans at configured rates.

Repayment Schedules

Loan schedules generated using reducing balance method — fair and transparent.

Dispute System

Raise, track and resolve disputes with evidence submission for Ajo groups.

Smart Notifications

Payout reminders, overdue alerts, goal milestones, and interest credits.

Admin Dashboard

Full platform visibility — pending loans, savings totals, overdue tracking.

Locked Savings

Fixed plans are time-locked until maturity. Funds are safe from impulse spending.

Get Started

Up and running in minutes

01

Register & Verify

Create your account and complete KYC verification. Takes under 5 minutes.

02

Fund Your Wallet

Top up via Paystack or Flutterwave. Your wallet powers everything.

03

Join or Create

Start an Ajo circle, open a savings plan, or apply for a loan.

04

Watch It Grow

Automate contributions, earn interest, and repay loans on schedule.

Join Today

Ready to take control of your money?

Ajo circles, savings plans, and loans — all in one place. Free to join. No hidden fees.

Create Your Account

Free to join · KYC required · Nigerian residents