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Djamo (Credit Djamo review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Djamo lends directly to businesses and sole traders in Côte d'Ivoire, so a personal loan seeker will not find what they need here. The direct lender charges an arrangement fee of 1% on the amount borrowed, with same-day funding to the Djamo account as an option.

Key facts

Best for
Ivorian businesses wanting a personal style loan from a direct lender inside their Djamo account.
Loan amount
F CFA 5,000 to F CFA 2,000,000↗
Arrangement fee
1% of the loan amount (dossier fee), plus optional 3% for instant disbursement↗
Credit check
Soft prequal↗
Funding time
Instant to the Djamo account with the optional 3% fee, otherwise standard up to 72h↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
18 or older; Ivorian citizen or foreign resident in Côte d'Ivoire holding a valid official ID document, with an active KYC-completed Djamo account↗
Origination fee (%)
1%↗
Loan types
Personal↗
Legal entity
DJAMO FINANCES SA↗
Headquarters
Côte d'Ivoire↗
Founded
2020↗
Support channels
Email, Chat, Phone↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
djamo.com

Savings

Headline rate
3.5% to 6%↗
Minimum deposit
F CFA 1,000↗
Access terms
No lock (Libre) or locked 1, 3, 6 or 12 months; interest calculated pro rata and credited monthly↗
Monthly fee
F CFA 0↗
Account kind
Easy access↗

Debit cards

Card type
Debit↗
Card network
Visa↗
Audience
Business

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInXappgallery.huawei.com

Pros and cons

Pros

  • Lends directly rather than passing the application on, at amounts of XOF 5,000 to XOF 2,000,000.
  • Soft prequalification means checking eligibility does not carry a full credit check, and funding can be same day.
  • Early repayment is free, and the interest rate is fixed, so repayments stay predictable.
  • The paired savings account pays 3.5% to 6% with a monthly fee of XOF 0.

Cons

  • The arrangement fee of 1% sits on every loan, and paying for instant disbursement adds a further charge on top.
  • Instant money to the Djamo account carries its own extra charge, and the standard route takes longer than that.
  • The listed licence is A-1-1/25-1, issued by BCEAO, the regional supervisor for the member states of the monetary union.
Djamo (Credit Djamo

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Ivorian registered businesses and sole traders with an active, fully verified Djamo account.
  • Borrowers who value a fixed rate and want to clear the balance early without penalty.
  • Anyone holding a business and personal account on the same app, with a debit card on the visa network.

Who should look elsewhere

  • Personal borrowers, since the stated audience is business.
  • People who need a long fixed repayment term, because the product is built around short business credit.
  • Residents outside Côte d'Ivoire, who cannot meet the eligibility conditions for the account.

Safety of your money

Djamo is a direct lender rather than a broker, so the person you apply to is the one that carries the risk and lends the money. The authorisation listed for Côte d'Ivoire is A-1-1/25-1, issued by BCEAO, the regional supervisor for the member states of the monetary union. That regional footing is worth weighing against a nationally licensed lender. Borrowing from Djamo also sits inside the app, alongside the savings account and the debit card on the visa network.

How Djamo (Credit Djamo compares

Where Djamo (Credit Djamo is available

Available
Côte d'Ivoire, Senegal
Licence in Côte d'Ivoire
BCEAO (A-1-1/25-1), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Who can borrow from Djamo?+

Djamo lends to businesses, and eligibility is limited to adults who are Ivorian citizens or foreign residents in Côte d'Ivoire holding valid official identity documents. You also need an active Djamo account that has completed identity verification, so the credit is tied to the account rather than offered as a standalone product.

What does it cost to take out a Djamo loan?+

The arrangement fee is 1% of the amount borrowed, and it is a dossier fee charged on every request. Paying for instant disbursement adds a further optional charge on top. Interest sits on a fixed rate, so the cost of the credit does not drift while you repay it.

Can I repay a Djamo loan early?+

Yes. Early repayment is free, which suits anyone who expects income to rise or a windfall to land. Pair that with the fixed rate and the soft prequal check, and clearing the balance sooner costs less overall than it would on a revolving product that keeps charging to the end.

How is my money protected?+

Djamo is a direct lender, so you deal with the company that carries the risk and holds your account rather than a broker. Its listed authorisation in Côte d'Ivoire is A-1-1/25-1, granted by BCEAO, the regional supervisor across the monetary union. Support runs on email, chat and phone for account questions.

How fast can I get the money?+

Funding can land instantly in your Djamo account if you accept the optional charge for instant disbursement. Decline that option and the transfer takes the standard route, which runs longer. Same day funding is therefore something you pay for rather than the default, and the money arrives in the account you already hold.

What can I borrow and for how long?+

Loan amounts run from XOF 5,000 to XOF 2,000,000 and the rate is fixed, so the cost of the credit does not shift while you repay it. The product is listed as personal credit, and with an audience of business it fits working capital gaps more than large purchases or a long mortgage style term.

What does the Djamo savings side offer?+

The savings account pays a headline rate of 3.5% to 6%, and easy access is the most common account kind here at 75.2%. Interest is worked out pro rata and credited each month. You can leave the balance free or lock it for a set stretch, and the monthly fee is XOF 0.

What card comes with the account?+

The account comes with a debit card on the visa network, spending straight from the same balance as the savings. A debit card is the most common card type on this comparison at 82.2%, and Visa leads the networks here at 58.5%, so the setup is familiar to most readers.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Term, Representative example.

Djamo (Credit Djamo

Djamo (Credit Djamo

Ivorian businesses wanting a personal style loan from a direct lender inside their Djamo account.

9.0/10See alternatives