The cooperative your community already trusts — now on your phone. Save daily, rotate with your group, and borrow without collateral.
Banks want collateral you don't have. Fintech apps assume things you don't need. And saving alone is hard — money you can see, you'll spend.
Property, cars, guarantors with assets — before any naira moves. Most people never qualify.
Maintenance fees, card fees, SMS alerts — your bank account costs you money every month.
No system, no record, no protection. Someone skips a turn and the whole group falls apart.
Built for people who already have everything. No cash option, no agent, no way in for most.
EESCREDIT was built as the answer to every one of these.
See What We OfferFrom daily savings to group-backed loans — everything runs on your phone, or through an agent near you.
Open a savings account and put money aside every day or every month. Every deposit is tracked, every kobo accounted for. SMS and email alerts on every transaction.
A disciplined cycle savings plan that rewards you for staying consistent. Contribute regularly over a set period — early periods have a small admin charge, later periods earn you a reward. Finish the cycle, collect your payout.
The ajo/esusu you already know, now fully digital and protected. Join a rotation group, contribute on your turn, and receive the full pool when it's your time — with every move recorded and transparent.
Need credit? Your savings record is your application. Fellow members stand as guarantors — no property, no car, no asset needed. Applications reviewed within 24–48 hours for eligible members.
A bigger credit facility backed by trusted people in your network. Fellow members voluntarily lock a portion of their savings to guarantee your loan. Their money is released in full when you repay.
No smartphone? No internet banking? No problem. Our network of licensed field agents collects your cash, issues vouchers, and processes deposits on your behalf. EESCREDIT reaches you wherever you are.
Put money aside every day or every month. Every deposit tracked, every kobo accounted for.
Start savingDisciplined cycle savings that rewards you for staying consistent. Finish the cycle, collect your payout.
Start a thrift planDigital ajo/esusu — fully transparent, protected by a built-in buffer, with every move recorded.
Join a rotationNo collateral. Your savings record and fellow members are all you need to access credit.
Apply for a loanTrusted people lock savings to back your loan. Their money returns in full when you repay.
Learn moreNo smartphone? Licensed agents collect your cash, issue vouchers and process deposits for you.
Find an agentReady to start? It takes under 2 minutes to create your account.
Join FreeNo paperwork. No bank visit. If you need help at any point, an agent can walk you through it in person.
Register with your phone number. Verify with a quick OTP. Your account is live instantly — no paperwork, no branch visit.
Under 2 minutesSave daily? Join a rotation group? Access a loan? A short onboarding flow points you to the right path — or our wizard helps you decide.
Guided onboardingA quick NIN check unlocks transfers and full platform access. Add your bank account to unlock withdrawals and loan applications.
Powered by Prembly — takes 2 minutesPay online via Paystack or Flutterwave, or buy an EESCREDIT voucher from any neighbourhood agent and redeem it instantly. Cash is always welcome.
Online, agent cash or voucherYour account is live. Start saving, join a rotation group with your invite code, or apply for a loan. Every move sends you an alert. Every naira is tracked.
SMS & email alerts on every transactionPrefer in-person help? Our field agents will set you up on the spot.
Four membership tiers. Every tier gives you more access, more benefits and more say in the cooperative. Start where you are — upgrade when you're ready.
New to cooperative saving? This is where you begin.
You're consistent. Time to unlock more.
Full cooperative membership. Everything open.
Community leaders. Serious contributors.
New to cooperative saving? Begin here.
Consistent saver. Time to unlock more.
Full cooperative membership. Everything open.
Community leaders and serious contributors.
EESCREDIT is the digital platform of Life-at-Ease Port-Harcourt Multi-purpose Co-operative Society Limited — a registered cooperative society in Rivers State, Nigeria. We took the cooperative model your grandparents trusted and gave it a digital backbone — so it's faster, safer, and available to everyone.
We are not a bank. We are not a fintech startup chasing investors. We are a cooperative — which means every member has a stake, every decision is collective, and the benefit flows back to the people, not shareholders.
Simple, trustworthy financial services that actually improve everyday life in our communities.
A Nigeria where anyone can save, grow and access credit — regardless of their banking history.
Two ways to be part of the EESCREDIT network — and earn while you help your community grow.
Collect cash savings, issue vouchers, onboard new members — and earn commission on every transaction you process. Be the EESCREDIT presence in your neighbourhood.
Become a Rotation Admin — create and manage Esusu groups on the EESCREDIT platform. Bring your trusted network together, run the group digitally, and earn your place as a community financial leader.
EESCREDIT gave me the structure I needed. I used to spend everything before month-end. Now I save daily and I've already taken a loan to expand my food business. My income has doubled.
I was doing ajo with my market women for years. Then someone ran with the money. I moved to EESCREDIT and now every contribution is on record, every payout is automatic. I'll never go back to cash ajo.
As a civil servant I can't afford to miss my children's school fees. The savings plan locks my money until I need it. No temptation, no excuses. EESCREDIT handles the discipline for me.
I used to spend everything before month-end. Now I save daily and I've already taken a loan to expand my food business.
Someone ran with our ajo money. I moved to EESCREDIT. Every contribution is on record, every payout is automatic. Never going back.
The savings plan locks my money until I need it for school fees. No temptation, no excuses. EESCREDIT handles the discipline for me.
Yes — same concept, different system. Ajo and esusu are exactly what EESCREDIT's Cooperative Rotation feature is built on. The difference is that every contribution, every payout and every member is recorded on the platform. No one can deny paying, no one can skip without the group seeing it, and there's a built-in buffer that protects the group if someone defaults.
Every group collects a small buffer contribution above the regular amount. This buffer sits in reserve specifically for this situation — it covers any shortfall from a member who defaults, so the payout for other members is protected. The Rotation Admin and platform administrators are notified immediately if a contribution is missed. Persistent default can result in removal from the group.
Your savings history and fellow members are your collateral. When you apply for a cooperative loan, other members agree to act as guarantors. For a Group-Guaranteed Loan, guarantors voluntarily lock a portion of their savings to back your application — and their money is released in full once you repay. No property, no car, no assets required.
Yes. Our network of licensed field agents can open your account, collect your cash deposits, and issue EESCREDIT vouchers that credit your account instantly. You can participate in savings and rotation groups entirely through an agent — no smartphone or internet banking required. Contact us to find an agent near you.
Loan applications are reviewed within 24–48 hours for members with consistent savings history and completed identity verification (NIN and bank account). You need fellow members to act as guarantors — once that's in place, the process moves quickly. Use the loan calculator in the portal to understand exactly what you'll pay back before you apply.
EESCREDIT is operated by a registered cooperative society under Rivers State law. All transactions are encrypted, passwords are never stored in plain text, OTP verification is required for withdrawals, and your data is protected under the Nigeria Data Protection Act 2023. Our cooperative structure means members collectively oversee how funds are managed — there are no hidden pockets, no silent shareholders.
Still have a question?
Talk to UsWhether you have a question, want to become a member, or are interested in becoming an agent — reach out. We respond within 1 business day.
21 Emekuku Street, DLine
Port Harcourt, Rivers State
Monday–Friday: 8:00 AM – 6:00 PM
Saturday: 9:00 AM – 4:00 PM
