Bringing you innovative, desirable and accessible credit solutions.

We provide simple and convenient access to credit through an entirely online application.

Check how much you
qualify for.

1

Personal Financing

Running short on funds to meet daily needs?

1

Personal Financing

Create an account with us and be elegible to apply for an instant loan of up to K5000

2

Device Financing

Thinking of getting yourself a mobile phone to be connected in the digital age?

2

Device Financing

Open an AstroCred account and get access to a wide range of high quality mobile devices

3

Credit Card

Do you want to control your finances from the tip of your fingers?

3

Credit Card

Get an AstroCred account today and enjoy a virtual card pre-loaded with the loan amount you afford

Imagine never having to queue in line to get a loan !

AstroCred provides customers with a hassle-free way to access affordable credit. Through our cutting-edge technology, we're transforming the way credit and financial services are delivered to millions of underserved people across Africa.

AstroCred is serving customers in Zimbabwe, Zambia, Malawi and South Africa; and we're still growing.

Experience our simplified customer journey

Easily apply online from start to finish, and get unlimited access to credit.

01

Register to open an account

01

Account opening

Enter your personal details i.e. name, surname, id, phone number and email

02

Check your affordability

02

Affordability checking

Enter your desired loan amount, gross salary , net salary and tenure to see if you qualify for the amount

03

KYC Upload

03

Upload Personal Documents

Now you can instantly upload all the necessary documents online for verification,completely digital and hussle-free.

04

Apply for credit

04

Apply for credit

Enter the remaining details required to get a credit facility - employment details, next of kin details , guarantor details, address details and banking details

05

Credit Approval

05

Credit Approval

e-Shagi system approves the credit facility request upon successful document validation and verification. User is notified of successful request via sms.

06

Disbursement

06

Your funds are disbursed into your account

Requested funds are disbursed into user account within a turn-around time of 24 hours.

Explore how e-Shagi is driving
financial inclusion

e-Shagi 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.

Tafadzwa - Rusape,Zimbabwe

Finally got that sofa set I wanted. It was so easy using e-Shagi'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 e-Shagi.

Isabel - Harare, Zimbabwe

We are always available to give you help when you need it.

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

Chat with Thandie

Get instant credit anytime you need it.

We understand the importance of financial access at all times. That is why we have created a credit card that helps you stay afloat without rushing to the bank whenever an emergency arises. The AstroCred credit card is a convenient tool to make sure you are never without funds anytime, anywhere.

Open an account today

Have any questions?

We’re here to help! Get in touch with us today!

Our personal loans range from USD50 – USD1 000, with repayment period starting from 3 months to 24 months.
Once you complete your application, stay tuned and get your approvals within 8 hrs
Once your application is approved, you will receive an email and a notification on your mobile phone. You may also receive a notification if we require any further details to approve your application. You will also be able to check the status of your loan at www.eshagi.com after logging in with your phone number and password.
Funds are disbursed within 24hrs. Key to speeding things up is submitting accurate information on the application and correct documentation.

A look into the Fintech World

Fintech growth in Africa

Africa’s fintech sector is booming, fueled by soaring venture capital (VC) funding activity, rising adoption of digital financial services among both consumers and businesses, and increasing efforts from governments to improve financial inclusion. Between 2020 and 2021, the number of technology startups in the continent tripled to around 5,200 companies, with just under half of these being fintech companies.

More details

Africa’s Demand for Payment Hubs Rises to Address the Continent’s Interoperability Gap

Africa is a world leader in mobile money, with Kenya and Ghana having the highest rates of mobile payment use.

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