• Ethical + Inclusive Lending

    Broadening Access to Digital Financial Services

    Introducing a responsible lending approach; doing business in a way that is consistent with our Values and caring equally for the well-being of our customers and the growth of our partners’ businesses.

  • *Community

    We are obsessed with the well-being of our customers, the growth of our partners’ businesses, creating opportunities and doing business consistent with our values.

  • Our only interest is Your interest.

    We are leveraging innovation and technology to be the alternative lender of choice at 0% APR.

  • Peer to Peer

    We understand the need to send, receive, request as well as borrow money instantly. Explore FARAJA to discover how you can easily send, receive or borrow money instantly.

Ethical + Inclusive Lending

Broadening Access to Financial Services

At EDOMx, we are spearheading a shift towards creating comprehensive solutions that demonstrably fix practical problems. At the same time, we are broadening access to Digital Financial Services. We are proud to introduce a responsible lending approach, applying principles that reflect our corporate Values. 

We Care About doing business in a way that is consistent with our Values, as much as we value the well-being of our customers and the growth of our partners’ businesses.

Ethical Lending

Our focus is on utilizing innovation and technology to allow our consumers to access 0% APR  loans. The current market trends on predatory lending continue to demonstrate the need for impact based and thoughtful consumer credit . Our purpose is to lend responsibly therefore our practice will be fully transparent and friendly to the consumer. 

Short-term loans are convenient and are a great way to solve temporary problems, if done ethically. Typically, short-term loans come with fees and interest rates that top 400% APR annually. We are the alternative lender of choice at 0%  APR , which once again is driven by our ethos.

Our Values

  • Humility

  • Integrity

  • Transparency

  • Service

Broadening Access to Financial Services 

We are spearheading a shift towards access to Digital Financial Services through
Our Innovative Products: Faraja & Joolama.

  • A peer-to-peer payment service that allows individuals to send and receive money to friends and family. FARAJA also uses an optional linked debit card to shop or withdraw cash from ATM. Lastly, FARAJA allows individuals to access payday loans at 0% APR.

    Explore FARAJA USA

  • We are introducing 0% Interest Retail Credit in Kenya to enable our customers to access the goods and services that matter to them, when they need them the most.

    Explore FARAJA KENYA

  • An e-commerce aggregator store and an Online Mall that uses technology to provide an on-demand online shopping experience with a BNPL component and an efficient delivery service.

    Explore Joolama