SAVE MONEY + BUILD CREDIT

Challenging the idea that credit can only be built by borrowing
Join Rosca for FREE
Our Trusted Partners
But Why Do I Need To Build Credit?

Credit scores are used by most lenders. You need it to purchase a home, a car, or even open your own business. Potential employers or landlords, as well as cell phone and utility companies, look at your score too. GoChitty works directly with Equifax and Transunion, two of the three credit bureaus. We report your activity on our platform and by making your commitments on time, it will impact your credit score positively!


OUR MEMBERS HAVE SAVED OVER $189,342 THROUGH THE COMMUNITY!


View the Current Roscas / Chit Funds

Research has shown that saving in groups triples your success rate.
Joining ROSCAs and working with other members will ensure that everyone benefits together!

Through our community circles members can build credit and:
  • Access cash when they need it
  • Plan ahead and never be delinquent again
  • Reach their short - term savings goals faster
How Our Platform Works

OUR PRODUCT IS BASED ON A PROVEN, CENTURIES OLD PRINCIPLE USED ACROSS THE WORLD, WHERE PEOPLE WOULD GATHER AND SAVE TOGETHER WITH OTHER MEMBERS OF THEIR COMMUNITY TO SUCCESSFULLY ACHIEVE THEIR FINANCIAL GOALS.











1
Become a Member
We assign you limits and a membership level. We require a credit history for all applicants.
2
Create or Join ROSCAs
Create a new ROSCA or join an existing one. Choose your preferences and start saving!
3
Give & Get Money
In each ROSCA you participate in, you will contribute each period and receive cash at your chosen period.
4
Reuse Your Limit
Your limit is replenished by every give and your balance becomes available again, like a credit card.
I understand, now sign me up!

See what our users are saying

By taking the original principles of a ROSCA and marrying concepts such as user credit assessments, automated banking, data encryption and more, we have created a patent pending platform that brings this proven, age-old community savings model into the 21st century.

Community
Working with other individuals in a ROSCA fosters discipline that guarantees savings success.
Credit Building
All ROSCA contributions will be reported to the major credit bureaus to help you improve your credit.
Security
Two factor authentication, credit checks, and data encryption ensure the safety of our members.
Automation
Money is moved automatically through your bank account and you will be notified every time.