Household Thrift

Apply for Household Thrift here


  1. We’d like to bring your attention to an essential update regarding our Household Thrift program. At Ajo, we’re dedicated to supporting our valued clients by offering a unique opportunity to acquire household items with no interest for a repayment period of one month.

2. In the event that a client encounters difficulties repaying the Household Thrift within the stipulated time, we have a solution in place. The outstanding thrift amount will be seamlessly converted into a Safari loan, with the corresponding sum debited from any funded Ajo wallet. Please note that a default interest rate of 20% will be applied in such cases.

3. The House Hold Thrift application window is accessible every quarter throughout the year, allowing you to avail of this beneficial service. If you’re considering applying, please remember that the maximum limit for a client on a plan is set at N20,000.00.

4. Approval of your application is contingent upon achieving a minimum credibility rating of 20% on the Ajo mobile app. This credibility rating is an indicator of your reliability within our system. Moreover, the amount granted as part of the HH Thrift is determined by your active plan and Credibility Rating.

5. We’d like to emphasize the importance of maintaining timely repayments. Defaulting on repayments could lead to a reduction in your credibility rating. A diminished credibility rating might necessitate a change in your Ajo Kiko number, representing a backward step in the system.

6. Before proceeding with your application, kindly note that there is a non-refundable application fee of N1,000.00.

7. For additional information about the maximum amount attainable through our Safari loan program, please don’t hesitate to contact us via WhatsApp at 09014149580. Your financial well-being is our priority, and we’re here to assist you every step of the way

HOUSEHOLD THRIFT IS NO LONGER AVAILABLE. Please be informed that this application will be opened in another 3 months.