Access Money When You Need It
Without the Loan Stress
With Ajo
With Esusu
With Adashe
With Akawo
With Group Savings
With CircleFunds
Join trusted thrift (ajo) groups, grow your savings, and reach your goals with CircleFunds.
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Join thousands of people reaching their savings goals with CircleFunds.
Create or join a thrift group in 3 minutes!
Join Community Thrifts
With community thrift, you're saving with a recommended group of people who can keep up with the group's contributions.
Get StartedCreate or Join Private Thrifts
With community thrift, you're saving with a recommended group of people who can keep up with the group's contributions.
Get Started
Earn Money as an Admin
Create and manage private thrifts with friends and family, and earn money while helping them save.
Get StartedWhy Thousands of Savers Choose CircleFunds
Community & Accountability
Struggling to save alone? Join a verified community that keeps you motivated to reach your goals.
Flexible Savings Options
Choose how much you want to save, how often you want to save, and when you want to receive your payout.
Automated Contributions & Payouts
Contributions and payouts are automated, so you don't have to chase anyone. And your wallet gets credited when it's your turn to get paid.
Smart Recommendations
We analyse your bank statements to recommend the perfect thrift group for you based on your income and spending patterns.
Financial Goal Tracking
Track your progress and stay motivated. Your CircleFunds dashboard shows you how close you are to reaching your financial goals.
Transparency & Trust
Every member of a thrift is verified to keep you and your money safe, so you can save with confidence.
Start saving smarter today
Whether you're saving for a rainy day or a big dream, CircleFunds makes it easy, secure, and collaborative
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