Djamo review

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

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Our verdict

Djamo is a direct lender in Côte d'Ivoire offering fixed-rate personal loans of XOF 5,000 to XOF 2,000,000 to account holders with a fully verified Djamo account. It suits borrowers who want the money in that account the same day and can pay the optional instant disbursement charge, and it suits those who settle early.

Key facts

Best for
A personal loan in Côte d'Ivoire for Djamo account holders who want the money the same day.
Loan amount
F CFA 5,000 to F CFA 2,000,000 (Source, checked September 26, 2026)
Arrangement fee
1% of the loan amount (dossier fee), plus optional 3% for instant disbursement (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Instant to the Djamo account with the optional 3% fee, otherwise standard up to 72h (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Origination fee (%)
1% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
DJAMO FINANCES SA (Source, checked September 26, 2026)
Headquarters
Côte d'Ivoire (Source, checked September 26, 2026)
Founded
2020 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
djamo.com

Apps and profiles

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

Pros and cons

Pros

  • Lends direct rather than through a broker, and the rate is fixed, so the cost is set at the start: direct lender, fixed.
  • Free early repayment, so clearing the loan ahead of schedule adds nothing.
  • Same-day funding to the Djamo account for anyone who takes the optional charge: same day funding.
  • Support runs on email, chat and phone, so email, chat and phone all reach the lender.

Cons

  • The 1% arrangement fee is joined by an optional charge for instant disbursement, so the fee total can climb.
  • Eligibility is narrow: adults with a valid official ID and an active, KYC-completed Djamo account, all in Côte d'Ivoire: CI.
  • Credit checks are soft prequalification rather than a hard search, which keeps the first look at your file light: soft prequal.
Djamo

Ready to try Djamo?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Ivorian adults with a valid official ID and an active Djamo account that has completed identity checks.
  • Borrowers who need the money in the Djamo account the same day and will pay the instant disbursement charge.
  • People likely to finish the loan early, since free early repayment costs nothing extra.

Who should look elsewhere

  • Borrowers in Spain, who would look at Cashspace ES for €100 to €5,000.
  • Borrowers in the Philippines, who would look at Cashspace for PHP 500 to PHP 25,000.
  • UK borrowers, who would look at Monzo Flex for £10,000 to £35,000.

Safety and regulation

Credit comes straight from the lender rather than a broker or marketplace: direct lender. The entity behind Djamo finances holds BCEAO authorisation A-1-1/25-1 in Côte d'Ivoire, which is the identifier to check when confirming the authorisation. Borrowing direct keeps the fee, the rate and the repayment terms with one counterparty.

How Djamo compares

Where 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

What does borrowing from Djamo cost?+

Djamo charges an arrangement fee of 1% of the amount borrowed, plus an optional extra charge if you want instant disbursement. Rates are fixed rather than variable, so the repayments you sign up for stay the same, and free early repayment means settling sooner does not add a fee.

How much can I borrow from Djamo?+

Loan amounts run XOF 5,000 to XOF 2,000,000. The borrowing offered is personal, personal, at a fixed rate, and the money lands in your existing Djamo account, so an active, fully verified account is part of applying.

Who can apply for a Djamo loan?+

Applicants must be adults, and either Ivorian citizens or foreign residents living in Côte d'Ivoire, with a valid official ID document. You also need an active Djamo account that has completed identity checks, which is why the account itself matters as much as your credit history: CI.

Is Djamo regulated?+

The lending sits with a direct lender, direct lender, and the entity holds BCEAO authorisation A-1-1/25-1 for Côte d'Ivoire. Borrowing direct means the fee, the rate and the repayments are all agreed with one counterparty, and the licence reference is the identifier to quote when checking the authorisation.

How fast does Djamo send the money?+

Same-day funding is the option here, same day funding, but it goes to the Djamo account and comes with an optional charge. Take the standard route instead and the money follows the normal disbursement time, which is slower and carries no extra disbursement charge.

Can I repay a Djamo loan early?+

Free early repayment is available, so paying the loan off before the agreed end adds nothing extra. That matters most on a fixed-rate deal, fixed, where the instalment stays put and finishing early is the simplest way to cut the total interest.

What credit check does Djamo run?+

The check is soft prequalification, soft prequal, which means the first look at your file is lighter than a full search. The decision still rests on the same account and identity details you gave when you opened the Djamo account.

How do I contact Djamo?+

Support runs on email, chat and phone, so you can reach the lender by email, by chat or by phone. Going direct means the fee question, the repayment date and the account details are handled in one place.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Term, Representative example.

Related by the facts

Djamo

Djamo

A personal loan in Côte d'Ivoire for Djamo account holders who want the money the same day.

8.9/10See alternatives

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