Access Money When You Need It
Access Money When You Need It
Access Money When You Need It
Without the Loan Stress
With Ajo
With Esusu
With Adashe
With Akawo
With Group Savings
With CircleFunds
Without the Loan Stress
Without the Loan Stress
With Ajo
With Esusu
With Adashe
With Akawo
With Group Savings
With CircleFunds
Without the Loan Stress
Without the Loan Stress
With Ajo
With Esusu
With Adashe
With Akawo
With Group Savings
With CircleFunds
Without the Loan Stress
Join trusted thrift (ajo) groups, grow your savings, and reach your goals with CircleFunds.
Join trusted thrift (ajo) groups, grow your savings, and reach your goals with CircleFunds.
GET IT ON
App Store
GET IT ON
Create or join a thrift group in 3 minutes!
Create or join a thrift group in 3 minutes!
Create or join a thrift group in
3 minutes!
Join
Community Thrifts
Join
Community Thrifts
Join
Community Thrifts
With community thrift, you’re saving with a recommended group of people who can keep up with the group’s contributions.
With community thrift, you’re saving with a recommended group of people who can keep up with the group’s contributions.
Create or Join Private Thrifts
Create or Join Private Thrifts
Create or Join Private Thrifts
Create or join a private thrift with 3 or more people. Save with people you know and trust - friends, family, colleagues, and more.
Create or join a private thrift with 3 or more people. Save with people you know and trust - friends, family, colleagues, and more.
PAYOUT RECEIVED
PAYOUT RECEIVED
PAYOUT RECEIVED
₦ 80,000
₦ 80,000
₦ 80,000
Earn Money as an Admin
Earn Money as an Admin
Earn Money as an Admin
Create and manage private thrifts with friends and family, and earn money while helping them save.
Create and manage private thrifts with friends and family, and earn money while helping them save.
Why Thousands of Savers Choose CircleFunds
Why Thousands of Savers Choose CircleFunds
Why Thousands of Savers Choose CircleFunds
Community & Accountability
Community & Accountability
Struggling to save alone? Join a verified community that keeps you motivated to reach your goals.
Struggling to save alone? Join a verified community that keeps you motivated to reach your goals.
Struggling to save alone? Join a verified community that keeps you motivated to reach your goals.
Flexible Savings Options
Flexible Savings Options
Choose how much you want to save, how often you want to save, and when you want to receive your payout.
Choose how much you want to save, how often you want to save, and when you want to receive your payout.
Choose how much you want to save, how often you want to save, and when you want to receive your payout.
Automated Contributions & Payouts
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.
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.
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
Smart Recommendations
We analyse your bank statements to recommend the perfect thrift group for you based on your income and spending patterns.
We analyse your bank statements to recommend the perfect thrift group for you based on your income and spending patterns.
We analyse your bank statements to recommend the perfect thrift group for you based on your income and spending patterns.
Financial Goal Tracking
Financial Goal Tracking
Track your progress and stay motivated. Your CircleFunds dashboard shows you how close you are to reaching your financial goals.
Track your progress and stay motivated. Your CircleFunds dashboard shows you how close you are to reaching your financial goals.
Track your progress and stay motivated. Your CircleFunds dashboard shows you how close you are to reaching your financial goals.
Transparency & Trust
Transparency & Trust
Every member of a thrift is verified to keep you and your money safe, so you can save with confidence.
Every member of a thrift is verified to keep you and your money safe, so you can save with confidence.
Every member of a thrift is verified to keep you and your money safe, so you can save with confidence.
Start saving smarter today
Start saving smarter today
Start saving smarter today
Whether you’re saving for a rainy day or a big dream, CircleFunds makes it easy, secure, and collaborative
Whether you’re saving for a rainy day or a big dream, CircleFunds makes it easy, secure, and collaborative
Partners and organisations that support us
Partners and organisations that support us
Partners and organisations that support us
Here’s what our users say about us
Here’s what our users say about us
Here’s what our users say about us
This app is amazing! CircleFunds makes it so easy to save with my family and friends. The interface is user-friendly, and transactions are seamless. Highly recommend
Nancy. O
This app is amazing! CircleFunds makes it so easy to save with my family and friends. The interface is user-friendly, and transactions are seamless. Highly recommend
Nancy. O
This app is amazing! CircleFunds makes it so easy to save with my family and friends. The interface is user-friendly, and transactions are seamless. Highly recommend
Nancy. O
Frequently Asked Questions
Frequently Asked Questions
Frequently Asked Questions
What is CircleFunds, and how does it work?
What is CircleFunds, and how does it work?
What is CircleFunds, and how does it work?
CircleFunds is a mobile app that lets you create, join, and manage thrift savings groups (ajo/esusu/adashe/akawo).
How secure is the CircleFunds app?
How secure is the CircleFunds app?
How secure is the CircleFunds app?
Is CircleFunds licensed or registered?
Is CircleFunds licensed or registered?
Is CircleFunds licensed or registered?
How do I verify my CircleFunds account?
How do I verify my CircleFunds account?
How do I verify my CircleFunds account?
How do I create or join a private thrift group?
How do I create or join a private thrift group?
How do I create or join a private thrift group?
Save Securely with Your Circle Today
Save Securely with Your Circle Today
Save Securely with Your Circle Today
Join thousands of people reaching their savings goals with CircleFunds.
Join thousands of people reaching their savings goals with CircleFunds.
CircleFunds
CircleFunds
© 2025 CircleFunds. All rights reserved.
Join thousands of people reaching their savings goals with CircleFunds.
Join thousands of people reaching their savings goals with CircleFunds.
Join thousands of people reaching their savings goals with CircleFunds.
k+
k+
Thrift Savers
+
+
Thrift Admins
+
+
Saving Groups