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
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.
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.
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
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.
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
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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.
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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.
Start Chatting with ThandieHave any questions?
I am not a civil servant, can I still apply for a loan,recharge credit or store credit with eShagi?
Over how long a period can I pay back my loan or store credit?
How can I repay my loan and can I pay it off quicker?
How long does it take to apply for/receive eShagi Loan or Store Credit?
I’ve settled my loan. How quickly can I apply again?
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
info@eshagi.com
hello@eshagi.com