Djamo
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Your Djamo credit, in a few minutes

Borrow up to 1,000,000 F, no paperwork. 100% digital, transparent fees, flexible repayment.

+1,000,000people trust Djamo

Apply for credit
1M F
Maximum amount
5 min
To apply
100%
Digital
0
Hidden fees

Credit built for everyday life

Simple, fast, and paperwork-free.

Up to 1,000,000 F

Borrow what you need, straight from your phone. Your limit grows as you use Djamo more.

Personalized amount based on your profile
Limit that grows over time
Apply 100% in the app
Up to 1,000,000 F

Instant payout

The money lands in your Djamo account right away. Handy for emergencies.

Instant payout
Flexible repayment

Flexible repayment

Repay on the due date, or earlier if you want. You stay in control.

Transparent fees

All fees are shown before you confirm. No surprises, no hidden costs.

Transparent fees

Your profile grows

The more you use Djamo, the higher your limit can go. Savings, salary, investing - it all counts.

Your profile grows
Eligibility

How to boost your chances

Your access to Djamo Credit depends on your activity in the app. The more you use Djamo day to day, the better your chances.

Use your Djamo card regularly for payments
Save with your Djamo savings account
Invest with Djamo Invest
Get paid into your Djamo account
Check my eligibility
Credit in the Djamo app

Clear fees, shown before you confirm.

No surprises. You know exactly what you pay.

Interest
Rate: 0.78%
Detail: of the loan amount
Origination fee
Rate: 1%
Detail: of the loan amount
Instant payout
Rate: 3%
Detail: optional
Late fee
Rate: 0.3%/day
Detail: capped at 9%
How it works

Your credit in 3 steps.

Open the Credit tab

Open Djamo and go to Credit. A few quick questions to personalize your access.

Pick your amount

Up to 1,000,000 F, your call. Fees show before you confirm.

Get your money

The money lands in your Djamo account. Instant or standard (up to 72h), your call.

Apply for credit

They used Djamo Credit

Stories from people who've been there.

A fast, stress-free fix

I needed 200,000 F for a family emergency. In 5 minutes on the app, it was sorted. Auto-repay meant I didn't have to remember. 100% recommend.

Kouadio S.
Kouadio S.

Better than borrowing informally

Before Djamo, I'd borrow from family with all the social pressure that comes with it. Now I apply from my phone - it's private and the fees are clear.

Fatou D.
Fatou D.

My amount grows every time

I started with a small amount, and every on-time repayment pushed my limit up. Today I'm at 500,000 F. Managing well actually pays off.

Yves M.
Yves M.

Frequently asked questions

What is Djamo Credit?
A loan available directly from the Djamo app. Borrow up to 1,000,000 F, no procedures or paperwork. Everything happens on your phone, 100% digital.
Who can access Djamo Credit?
Djamo Credit is open to all Djamo Côte d'Ivoire users. Your access depends on your activity in the app: how you use your account, regular transactions, savings, and so on. Before your first offer, the app asks you a few quick questions.
How much does Djamo Credit cost?
The fees are clear: 0.78% interest and a 1% origination fee on the loan amount. Optional: 3% to receive the money instantly (otherwise up to 72h). Late fees: 0.3% per day, capped at 9%.
How do I repay my credit?
Two options. Auto-repay: we debit on the due date, if your account is funded. Or early repayment, partial or full, from the Credit tab. You can repay as early as 1h after receiving the money.
Can I take out another credit after repaying?
Yes! Once your loan is repaid, you can apply again 48 hours later. If you repaid on time, you're usually good. Head to the Credit tab to check your access.
How do I increase my loan amount?
Your limit can grow over time. Use the app regularly, get paid into your account, save or invest with Djamo, and limit your use of online betting apps. These actions build your profile over time.

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