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Get help anytime through our secure in-app chat.
Tap your profile in the top-left corner → Select Help → Browse the FAQs or tap Chat with us for more support.

Frequently Asked Questions

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?

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?

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?

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?

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?

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?

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.