ROSCA Official
FAQ
Everyone Deserves
Good Credit
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. Rosca 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 $263,382 THROUGH THE COMMUNITY!


View the Current Roscas

Research has shown that saving in groups triples your success rate.
Joining a Chit Fund 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 a Chit Fund
Create a new Chit Fund or join an existing one. Choose your preferences and start saving!
3
Give & Get Money
In each Chit Fund 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.

See what our users are saying
Rajiv
Edison, NJ
My family and I used chitfunds back home. I am so glad I found gochitty in the US. It's a great way to save money and I get to build my credit score while saving money.
Sona
Longwood, FL
Hands down gochitty is my favorite place to save money. Not only do I save money, I actually earn a great return while saving!
Ashutosh
Connellsville, PA
My friend told me about gochitty when I came to the US as a good way to save money and build credit as I had no credit history. What a great idea. Now I am telling all my friends. Go Chitty!
Ramana
Anaheim, CA
I love gochitty. It helps me save money, earn a great return and build my credit. And I get to make new friends on line.