Djamo (Credit Djamo review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 29, 2026

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Our verdict

Djamo suits adults in Ivory Coast with an active Djamo account who want a small personal loan with quick payout. It acts as direct lender offering loans of XOF 5,000 to XOF 2,000,000 with fees of 1% of loan amount and funding in Instant or up to 72h for personal use.

Key facts

Best for
Active Djamo users in Ivory Coast seeking a small personal loan fast.
Loan amount
F CFA 5,000 to F CFA 2,000,000 (Source, checked September 29, 2026)
Arrangement fee
1% of loan amount (Source, checked September 29, 2026)
Funding time
Instant or up to 72h (Source, checked September 29, 2026)
Lender type
Direct lender (Source, checked September 29, 2026)
Free early repayment
Yes (Source, checked September 29, 2026)
Eligibility
18+, Ivory Coast resident with valid ID and active Djamo account (Source, checked September 29, 2026)
Origination fee (%)
1% (Source, checked September 29, 2026)
Loan types
Personal (Source, checked September 29, 2026)
Legal entity
DJAMO Cote d'Ivoire (Source, checked September 28, 2026)
Headquarters
Côte d'Ivoire (Source, checked September 29, 2026)
Founded
2020 (Source, checked September 26, 2026)
Support channels
Email, Chat (Source, checked September 29, 2026)
Features
Same-day funding
Official website
djamo.com

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInXfacebook.com

Pros and cons

Pros

  • Personal loans of XOF 5,000 to XOF 2,000,000 as direct lender, which keeps the lender relationship direct.
  • Funding in Instant or up to 72h suits urgent household needs for account holders.
  • Free early repayment allows clearing the balance ahead of schedule without an extra charge.

Cons

  • Fees of 1% of loan amount add to the amount due on each advance.
  • Support runs on email and chat only, which limits contact choice.
  • Cover in personal is for personal use only, which limits other needs.
Djamo (Credit Djamo

Ready to try Djamo (Credit Djamo?

Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • Adults living in Ivory Coast with valid ID and an active Djamo account.
  • Borrowers seeking a personal loan of XOF 5,000 to XOF 2,000,000 with funding in Instant or up to 72h.
  • Borrowers who value free early repayment and a direct lender setup as direct lender.

Who should look elsewhere

  • Borrowers outside Ivory Coast should consider Ibancar Prestamos for loans of €600 to €8,000 in its own market.
  • Borrowers seeking card based credit should consider AXI Card Tarjeta y Credito for limits of up to €1,500.

How Djamo (Credit Djamo compares

Where Djamo (Credit Djamo is available

Available
Côte d'Ivoire
Licence in Côte d'Ivoire
Ministere des Finances et du Budget (A-1-1/25-1), checked September 29, 2026

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What loan amounts does Djamo offer?+

Djamo offers personal loans of XOF 5,000 to XOF 2,000,000 as direct lender. The range suits small household needs and short term plans. Borrowers should compare the amount sought with fees and repayment capacity before applying.

What fees apply to a Djamo loan?+

Fees run 1% of loan amount on personal loans, which equals 1%. The charge is taken on the loan amount and raises the total due. Free early repayment helps limit extra cost by clearing the balance ahead of schedule.

How fast is payout from Djamo?+

Djamo lists funding in Instant or up to 72h with same day funding. Timing can vary with checks and account status. Borrowers should allow for the full stated period when funds are needed by a set date.

Who can apply for Djamo credit?+

Eligibility is for adults who live in Ivory Coast, hold valid ID and keep an active Djamo account. The product is built around existing users in Côte d'Ivoire. Applicants outside that group should look at local options.

Is Djamo licensed?+

Djamo operates as DJAMO Cote d'Ivoire under A-1-1/25-1 from Ministere des Finances et du Budget. That licence marks supervised lending activity in Ivory Coast. Borrowers should still read terms on cost, repayment and late payment.

How can borrowers contact Djamo support?+

Djamo provides help through email and chat. Contact is by written channels rather than wider options. Borrowers should keep messages clear and keep copies of loan terms, payment dates and receipts.

Can a Djamo loan be repaid early?+

Djamo allows free early repayment, so the balance can be cleared ahead of schedule without an extra repayment charge. Early settlement can lower the total burden. Borrowers should confirm the final amount with support before paying.

Sources

Compiled from 6 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: APR, Term, Credit check, Representative example.

Related by the facts

Djamo (Credit Djamo

Djamo (Credit Djamo

Active Djamo users in Ivory Coast seeking a small personal loan fast.

8.7/10See alternatives

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