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We make borrowing simple & affordable!

With eShagi, you can get an instant loan, recharge credit or shop at your favourite stores and pay in affordable monthly installments.

We're 100% online.

With eShagi, there are no paper forms to fill or ID's fax.

4.2+ Customer Rating

Secure Process

24/7 Support
eShagi

A fresh approach

It's 2022 after all..

We're different to traditional banks or microfinance companies. eShagi provides customers with a hassle free way to access affordable credit and the freedom to spend whenever and wherever they chose.

Through our cutting-edge technology, we're transforming the way credit and financial services are delivered to millions of underserved people across Africa. eShagi is serving customers in Zimbabwe, Zambia, Malawi and South Africa; and we're still growing.


What we offer

Whatever your borrowing needs, we have an affordable credit product for you.

eShagi Salary Loan


We've all been there - an unexpected bill , school fees round the corner or the car making some odd noises that shout ‘time for a service'.If you're in need of extra money, an eShagi loan is your best option. Whether you are a civil servant or employed in the private sector, it’s quick and easy to apply for a eShagi Loan – all you need to do is complete a short online application form and we’ll give you a preliminary decision within 30 minutes.

Term: 1 - 24 Months
|
Maximum Loan Amount: UNLIMITED

Eligibility

  • Over 18 years old and a resident of the residing country.
  • Full-time employment in the government or private sector.
  • Receive salary or other income through a bank account.
  • Not on an active blacklist, bankruptcy or equivalent.

eShagi Store Credit


Why hold off on that TV you have always wanted. It’s quick and easy to apply for eShagi Credit – all you need to do is complete a short online application form and we’ll give you a decision instantly. If approved and you accept, you’ll have a credit limit attached to your eShagi account to start using straightaway at your favourite store.

Term: 1 - 24 Months
|
Minimum Loan Amount: $1,000
|
Maximum Loan Amount: UNLIMITED

Eligibility

  • Over 18 years old and a resident of residing country.
  • Full-time employment in the government or private sector.
  • Receive salary or other income through a bank account.
  • Not on an active blacklist, bankruptcy or equivalent.

eShagi Credit Card


We know how important it is to stay afloat financially to combat all imortant needs, hence we have inovated a credit card that does just that so you dont to rush to the bank in emergency. The eShagi credit card is a convenient tool to make sure you are never without funds anytime , anywhere

Term: 7 - 30 Days
|
Minimum Loan Amount: $100
|
Maximum Loan Amount: $1,000

Eligibility

  • Over 18 years old and a resident of the residing country.
  • Full-time employment in the government, private or informal sector.
  • Receive salary or other income through a bank account.
  • Not on an active blacklist, bankruptcy or equivalent.

eShagi Device Financing


Thinking of getting yourself a nice mobile device but dont have money?, worry no more because with eShagi you can get a mobile phone from our listed merchants, financed by us.

Term: 7 - 30 Days
|
Minimum Loan Amount: $100
|
Maximum Loan Amount: $1,000

Eligibility

  • Over 18 years old and a resident of the residing country.
  • Full-time employment in the government, private or informal sector.
  • Receive salary or other income through a bank account.
  • Not on an active blacklist, bankruptcy or equivalent.

Why choose eShagi

Here is why 1000's of our customers across Africa love and trust eShagi.

100% Online Process

No need to vist our office, complete paper forms or photocopy ID's.

Affordable Installments

Choose to pay back our loans or credit in 1 to 24 months.

Everyone's Welcome

We provide credit to both civil servants and the private sector.

Web & Mobile

Easily apply and mange your account via web or mobile app.

Quick Approval

We'll approve you loan or credit in under 30 minutes.

Spending Freedom

Spend eShagi Store Credit at over 1,000 stores across Africa.

How it works



  • 1

    Apply here or via WhatsApp

    Simply apply here or contact our team on WhatsApp to start your application. Please ensure you have your ID, payslip and employment details to hand. Once complete, you will have a pre-approval in under 30 minutes

  • 2

    Submit ID & KYC details

    Submit a selfie, picture of your ID, latest payslips to complete our online Know Your Customer (KYC) and Electronic credit agreement. Once done, grab a coffee. We will now complete our checks and final approvals.

  • 3

    Disbursement

    Voila! Your funds are ready. You can now request a fund payout to your designated bank account, get recharge credit or go and grab that new TV from your favourite store.


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What our customers say

eShagi was so simple to use when I applied for my loan to buy my new car. The process was so simple and I was approved the same day I applied. Great service.

Lumbwe - Kitwe, Zambia

Finally got that sofa set I wanted. It was so easy using eShagi's Store Credit who provided me with all the money and I get to pay it over 12 months. Yey!

Sibongile - Bulawayo, Zimbabwe

I couldn't believe such a service existed in Africa, everything was online and the team was so helpful. Keep up the good work eShagi.

Bruce - Lusaka, Zambia

eShagi via WhatsApp

Meet Thandie, our Whatsapp Bot. She is available 24/7 to help you make a new application or manage any aspect of your eShagi credit account. Simply add +263 715 069 167 to your whatsapp and say "Hi" to Thandie.

Have any questions?

I am not a civil servant, can I still apply for a loan,recharge credit or store credit with eShagi?
eShagi provides loans,recharge credit and store credit to both civil servants and those employed in the private sector working for approved companies. To find out if you qualify, contact our team 24/7 on Email: info@eShagi.com or Call us on: ‎+263 8677 193 266 or +263 8677 193 613
eShagi offers you the option to repay your loan or store credit in 1 to 24 months.
Yes, you can pay off your loans faster and save on any additional interest. Once you are paid off, you are welcome to apply for another eShagi loan.
The online application form takes a few minutes to complete and upload your documents. We'll then run a credit check and if approved, you’ll have a credit limit or funds in your designated bank account as soon as you accept your credit agreement.
Yes, you can apply for another loan with eShagi if you’ve settled your previous one. You may need to wait five working days for your final settlement payment to go through, and you can then make your application online. You’ll need to go through the same checks as the first loan just to make sure it’s still affordable and the best decision for you.

Get in touch

Need help with our credit products or application process. Please get in touch with our customer services team 24/7

Address

Zimbawe :52-54, Samora Machel Avenue, Harare

Zambia :10, Olimpia Road, Lusaka

Phone

+263 8677 193 266 | +263 8677 193 613

E-mail

info@eshagi.com

hello@eshagi.com