Loans that make your dreams come true
Loans that make your dreams come true
Loans that make your dreams come true
Get up to ₦10 million for that house, car, school fees…interest free!
Get up to ₦10 million for that house, car, school fees…interest free!
Get up to ₦10 million for that house, car, school fees…interest free!
Licensed by CBN
Licensed by CBN
Licensed by CBN
Insured by
Insured by
Insured by
Check your Eligibility.
Check your Eligibility.
Check your Eligibility.
Check your Eligibility.
Too good to be true? Yeah, we get that a lot.
Think Ajo, now with superpowers.
Everyone contributes. One person collects. Every month, someone cashes out — until it’s your turn.Simple. Fair. On repeat.
Too good to be true? Yeah, we get that a lot.
Think Ajo, now with superpowers.
Everyone contributes. One person collects. Every month, someone cashes out — until it’s your turn.Simple. Fair. On repeat.
Too good to be true? Yeah, we get that a lot.
Think Ajo, now with superpowers.
Everyone contributes. One person collects. Every month, someone cashes out — until it’s your turn.Simple. Fair. On repeat.
Too good to be true? Yeah, we get that a lot.
Think Ajo, now with superpowers.
Everyone contributes. One person collects. Every month, someone cashes out — until it’s your turn.Simple. Fair. On repeat.
For generations, people have relied on Ajo, a simple way to save together, take turns collecting, and achieve goals as a community. It worked because it was built on trust. But sometimes, trust wasn’t enough. Delays, defaults, or lost contributions could leave someone stranded.
That’s why we created Rank Circles. We took the strength of Ajo (community savings) and built a smarter, safer, and more transparent version. With Rank Circles, every contribution is tracked, every payout is secured, and every member has peace of mind.
It’s the tradition you know, now protected and powered by technology.
Rank Circles — Ajo, without the worry.
Relax…
Circles fixed all of that.
No chasing friends or waiting for slots to fill. There’s always a Circle that fits — 6, 10, or 12 months. Your pace. Your payout.
Relax…
Circles fixed all of that.
No chasing friends or waiting for slots to fill. There’s always a Circle that fits — 6, 10, or 12 months. Your pace. Your payout.
Relax…
Circles fixed all of that.
No chasing friends or waiting for slots to fill. There’s always a Circle that fits — 6, 10, or 12 months. Your pace. Your payout.
Go fast, go far,
go together.
With Circles, you save with trusted users nationwide.
Your Payout is guaranteed
We’ve powered
₦60B+
in loans with 96% repayment. Delays? We cover it so you always get paid.
Extra money? Yes, please.
Fraud? No way…
We use bank-grade security and identity checks.
Every user is verified. Every payment is tracked.
We don’t play with your money.
We use bank-grade security and identity checks. Every user is verified. Every payment is tracked. We don’t play with your money.
Your Privacy first and second.
No one needs to know your slot or your circle.
It’s just you and your money — no friend zone required.
No one needs to know your slot or your circle. It’s just you and your money — no friend zone required.
Your details are secured
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Your details are secured
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Your details are secured
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Your details are secured
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Powered by people. Backed by Rank.
Joined already
Joined already
Joined already
Joined already
103K+ members are already eating good. Good things aren’t just for the chosen few. Get in. Confirm the rumours.
Still doubting?
We see you, Thomas.
1. What is Rank Circles? site?
Circles is a community-based savings and lending model like rotating savings and credit associations (ROSCA), like Ajo, Esusu, or Adashe. Members contribute to a shared pool, with each member receiving a lump sum in rotation—perfect for reaching big goals like buying a home or car.
What’s the difference between public and private circles?
Private circles are formed with people you know (e.g., family, friends), while public circles are open to anyone looking to save toward similar goals.
How does the rotation work?
Each month or week, one member receives the pooled contributions. The rotation continues until every member has received their lump sum.
Why should I trust that other users are going to pay?
Each user has to sign a legal contract before joining any Circle after going through our credit assessment to make sure that all users can pay their installments. In case other users fail to pay their due amounts, Rank covers their share to make sure you get your full payout on time for members with group subscription.
How does Circles help build credit?
Every contribution and repayment is reported to major credit bureaus, helping you build a positive credit history with each on-time payment.
Do I need a credit score to participate?
No, Rank Circles allow you to join without a credit score and start building one as you contribute.
How are lump sums distributed?
Payout order is decided at the start. You’ll know your payout month from the beginning, so you can plan accordingly.
What if a member can’t make a payment?
If a member faces difficulties, the group can discuss flexible options to support them while keeping the circle intact.
Are there any fees?
Circles is interest-free with a subscription model for premium and commission for payouts offering a transparent, community-driven way to save and grow financially.
Can I join multiple circles?
Yes, you can participate in multiple circles if you’re able to meet the contributions.
How many people can be in a rotating savings group?
In a rotating savings group, you can have a minimum of 3 members and a maximum of 12 members.
How secure is my money?
Rank uses secure technology to manage contributions, ensuring every transaction is transparent and fully protected.
1. What is Rank Circles? site?
Circles is a community-based savings and lending model like rotating savings and credit associations (ROSCA), like Ajo, Esusu, or Adashe. Members contribute to a shared pool, with each member receiving a lump sum in rotation—perfect for reaching big goals like buying a home or car.
What’s the difference between public and private circles?
Private circles are formed with people you know (e.g., family, friends), while public circles are open to anyone looking to save toward similar goals.
How does the rotation work?
Each month or week, one member receives the pooled contributions. The rotation continues until every member has received their lump sum.
Why should I trust that other users are going to pay?
Each user has to sign a legal contract before joining any Circle after going through our credit assessment to make sure that all users can pay their installments. In case other users fail to pay their due amounts, Rank covers their share to make sure you get your full payout on time for members with group subscription.
How does Circles help build credit?
Every contribution and repayment is reported to major credit bureaus, helping you build a positive credit history with each on-time payment.
Do I need a credit score to participate?
No, Rank Circles allow you to join without a credit score and start building one as you contribute.
How are lump sums distributed?
Payout order is decided at the start. You’ll know your payout month from the beginning, so you can plan accordingly.
What if a member can’t make a payment?
If a member faces difficulties, the group can discuss flexible options to support them while keeping the circle intact.
Are there any fees?
Circles is interest-free with a subscription model for premium and commission for payouts offering a transparent, community-driven way to save and grow financially.
Can I join multiple circles?
Yes, you can participate in multiple circles if you’re able to meet the contributions.
How many people can be in a rotating savings group?
In a rotating savings group, you can have a minimum of 3 members and a maximum of 12 members.
How secure is my money?
Rank uses secure technology to manage contributions, ensuring every transaction is transparent and fully protected.
1. What is Rank Circles? site?
Circles is a community-based savings and lending model like rotating savings and credit associations (ROSCA), like Ajo, Esusu, or Adashe. Members contribute to a shared pool, with each member receiving a lump sum in rotation—perfect for reaching big goals like buying a home or car.
What’s the difference between public and private circles?
Private circles are formed with people you know (e.g., family, friends), while public circles are open to anyone looking to save toward similar goals.
How does the rotation work?
Each month or week, one member receives the pooled contributions. The rotation continues until every member has received their lump sum.
Why should I trust that other users are going to pay?
Each user has to sign a legal contract before joining any Circle after going through our credit assessment to make sure that all users can pay their installments. In case other users fail to pay their due amounts, Rank covers their share to make sure you get your full payout on time for members with group subscription.
How does Circles help build credit?
Every contribution and repayment is reported to major credit bureaus, helping you build a positive credit history with each on-time payment.
Do I need a credit score to participate?
No, Rank Circles allow you to join without a credit score and start building one as you contribute.
How are lump sums distributed?
Payout order is decided at the start. You’ll know your payout month from the beginning, so you can plan accordingly.
What if a member can’t make a payment?
If a member faces difficulties, the group can discuss flexible options to support them while keeping the circle intact.
Are there any fees?
Circles is interest-free with a subscription model for premium and commission for payouts offering a transparent, community-driven way to save and grow financially.
Can I join multiple circles?
Yes, you can participate in multiple circles if you’re able to meet the contributions.
How many people can be in a rotating savings group?
In a rotating savings group, you can have a minimum of 3 members and a maximum of 12 members.
How secure is my money?
Rank uses secure technology to manage contributions, ensuring every transaction is transparent and fully protected.
1. What is Rank Circles? site?
Circles is a community-based savings and lending model like rotating savings and credit associations (ROSCA), like Ajo, Esusu, or Adashe. Members contribute to a shared pool, with each member receiving a lump sum in rotation—perfect for reaching big goals like buying a home or car.
What’s the difference between public and private circles?
Private circles are formed with people you know (e.g., family, friends), while public circles are open to anyone looking to save toward similar goals.
How does the rotation work?
Each month or week, one member receives the pooled contributions. The rotation continues until every member has received their lump sum.
Why should I trust that other users are going to pay?
Each user has to sign a legal contract before joining any Circle after going through our credit assessment to make sure that all users can pay their installments. In case other users fail to pay their due amounts, Rank covers their share to make sure you get your full payout on time for members with group subscription.
How does Circles help build credit?
Every contribution and repayment is reported to major credit bureaus, helping you build a positive credit history with each on-time payment.
Do I need a credit score to participate?
No, Rank Circles allow you to join without a credit score and start building one as you contribute.
How are lump sums distributed?
Payout order is decided at the start. You’ll know your payout month from the beginning, so you can plan accordingly.
What if a member can’t make a payment?
If a member faces difficulties, the group can discuss flexible options to support them while keeping the circle intact.
Are there any fees?
Circles is interest-free with a subscription model for premium and commission for payouts offering a transparent, community-driven way to save and grow financially.
Can I join multiple circles?
Yes, you can participate in multiple circles if you’re able to meet the contributions.
How many people can be in a rotating savings group?
In a rotating savings group, you can have a minimum of 3 members and a maximum of 12 members.
How secure is my money?
Rank uses secure technology to manage contributions, ensuring every transaction is transparent and fully protected.
Real People.
Real Stories.
See what Ranksters have to say.
Pelumi Joseph
103K+ members are already eating good. Good things aren’t just for the chosen few. Get in. Confirm the rumours.
Download App
Beyond Circles.
Say yes to accounts, savings, credit, payments and more possibilities with Rank.
Pay and get paid, in seconds
Enjoy super-fast money transfers. All your bills, one app, zero delays
Earn up to 27% P.A on your savings
Beat Inflation. Build Wealth with Rank. Got big dreams? Save toward them and watch your money grow — daily. Automate your savings
Why wait for payday?
Get up to ₦5M — no collateral, no guarantor.Just cash when you need it. Fast loans for salary earners. Make every day a payday.
Get up to ₦5M — no collateral, no guarantor.Just cash when you need it. Fast loans for salary earners. Make every day a payday.
Bank-grade Protection with Peace of Mind
Rank is Central Bank of Nigeria-regulated
NDIC-insured, and your data is always protected.
Custom security. Bank-grade encryption.
24/7 protection from fraud.
Comprehensive Verification Process
Our KYC process protects you from fraud and identity theft.
Two-Factor Authentication
An extra layer of security to protect your account & transactions.
24/7 customer support
We're here 24/7. Message us anytime, anywhere through our app for support.
Bank-grade Protection with Peace of Mind
Rank is Central Bank of Nigeria-regulated
NDIC-insured, and your data is always protected.
Custom security. Bank-grade encryption.
24/7 protection from fraud.
Comprehensive Verification Process
Our KYC process protects you from fraud and identity theft.
Two-Factor Authentication
An extra layer of security to protect your account & transactions.
24/7 customer support
We're here 24/7. Message us anytime, anywhere through our app for support.
Bank-grade Protection with Peace of Mind
Rank is Central Bank of Nigeria-regulated
NDIC-insured, and your data is always protected.
Custom security. Bank-grade encryption.
24/7 protection from fraud.
Comprehensive Verification Process
Our KYC process protects you from fraud and identity theft.
Two-Factor Authentication
An extra layer of security to protect your account & transactions.
24/7 customer support
We're here 24/7. Message us anytime, anywhere through our app for support.
Bank-grade Protection with Peace of Mind
Rank is Central Bank of Nigeria-regulated
NDIC-insured, and your data is always protected.
Custom security. Bank-grade encryption.
24/7 protection from fraud.
Comprehensive Verification Process
Our KYC process protects you from fraud and identity theft.
Two-Factor Authentication
An extra layer of security to protect your account & transactions.
24/7 customer support
We're here 24/7. Message us anytime, anywhere through our app for support.
Backed by Prominent Leaders in Fintech
Moni is going after a significant financing gap opportunity in Nigeria. We believe there is a great opportunity for growth by layering on other financial services. The team at Moni is well-positioned to drive financial inclusion, enabling access to credit and in the process create a more prosperous Africa.
Moni is going after a significant financing gap opportunity in Nigeria. We believe there is a great opportunity for growth by layering on other financial services. The team at Moni is well-positioned to drive financial inclusion, enabling access to credit and in the process create a more prosperous Africa.
Kola Aina - Ventures Platform
Kola Aina - Ventures Platform
Temi Marcella
Magic Fund
It's been a great pleasure working with Femi and Dapo. They have deep operating experience in the inclusive finance space which has helped them create a defensible and scalable business. Moni records low default rates, has high NPS from its' customers and benefits from the continued growth of agent aggregators across Africa.
It's been a great pleasure working with Femi and Dapo. They have deep operating experience in the inclusive finance space which has helped them create a defensible and scalable business. Moni records low default rates, has high NPS from its' customers and benefits from the continued growth of agent aggregators across Africa.
Temi MarcellaMagic Fund
MAGIC is delighted to back Moni as they solve a major pain point of credit, across Africa. The infusion of social trust into Moni’s products is unique and we're confident that the team will build economic infrastructure that would impact underserved sectors across Africa.
Michael Seibel - Partner Y Combinator
MAGIC is delighted to back Moni as they solve a major pain point of credit, across Africa. The infusion of social trust into Moni’s products is unique and we're confident that the team will build economic infrastructure that would impact underserved sectors across Africa.
Michael Seibel - Partner Y Combinator
Michael Seibel - Partner Y Combinator
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Moneypedia
All things money explained.
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria .
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigerias
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Moneypedia
All things money explained.
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria .
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigerias
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Moneypedia
All things money explained.
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria .
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigerias
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Moneypedia
All things money explained.
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria .
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigeria
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Build High-return Investments in Nigerias
Join a community of SMEs with cooperative significance pooling money together to rotate the lump contribution as micro-credit for other members.
Read Article
Join our community. No filters. No fluff. Just the good emails.
Rank is licensed by CBN
Insured by
Company
Address
San Francisco 548 Market St, San Francisco, California, 94104-5401
Join our community. No filters. No fluff. Just the good emails.
Rank is licensed by CBN
Insured by
Company
Address
San Francisco 548 Market St, San Francisco, California, 94104-5401
Join our community. No filters. No fluff. Just the good emails.
Rank is licensed by CBN
Insured by
Company
Address
San Francisco 548 Market St, San Francisco, California, 94104-5401
Join our community. No filters. No fluff. Just the good emails.
Rank is licensed by CBN
Insured by
Company
Address
San Francisco 548 Market St, San Francisco, California, 94104-5401