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Rental deposit financing · Côte d'Ivoire

Your deposit, chap chap.

You found the place. The landlord wants 3 months cash. We pay it today — you repay calmly, month after month.

Apply nowSee what I'd pay
48hdecision on a full file
10%fee. one single number.
6 mo.to repay. no penalty, ever.
— 01

In Abidjan, the deposit
blocks everyone.

3 months

cash, all at once

You've got the income. You've got the papers. You've found the place. But the landlord wants the deposit, the first month and the agency fee — all on the table, all at once.

525,000

FCFA, frozen

Once it's paid, the deposit is a wall. For the entire lease, your money sits with someone else — no interest, no movement, no benefit for you.

6 months

of savings, gone

By the time you've saved it up, the flat is gone, rents have climbed, and you're back to square one. We've all heard this story. It never ends well.

Chapay takes on the deposit. You move in now, repay in monthly installments, and at the end of the lease, your deposit comes back to you. In full. As it should.

— 02

Four steps. Two days, max.

  1. 01

    Pick your channel

    WhatsApp to talk to someone live, or our guided web form to go at your own pace. Six questions, ten minutes: rent, income, employer, tenure, city, deposit.

    5–10 minutes
  2. 02

    Send your file

    ID card, last three payslips, employment letter, three months of bank statements, draft lease, account details. We tell you exactly what's missing if anything is.

    30–60 minutes
  3. 03

    We decide in 24h

    Approved, with conditions, or a clear reasoned refusal. No silence, no vague answers. You always know where you stand and why.

    24 hours
  4. 04

    We pay the landlord direct

    Transfer to the landlord within 12h of signature. You get the keys. At the end of the lease, your deposit comes back — in full.

    Within 12h
— 03

See what you pay.

Move the sliders. The numbers update live. No hidden fees, no asterisks.

525,000FCFA
100k1.5M
6months
3456
Preview · example based on a Score A profile
Deposit fronted by Chapay525,000 F
Service fee (10%)52,500 F
File feeat signing, one time13,500 F
Total to repay591,000 F
Your monthly payment96,250 F
Due at signingfile fee + 1st monthly payment109,750 F

Two numbers. That's it. 10% service fee amortised across the duration, plus a 13,500 F file fee at signing. The deposit remains yours — you get it back at the end of the lease.

Start my application→
— 04

What we promise,
we deliver.

48h

between a complete file and a decision. No follow-ups, no "get back to us next week". We commit to it, contractually.

0fcfa

in hidden fees, surprise penalties or fine-print clauses. Everything is written in black and white before you sign.

100%

of your deposit comes back to you at the end of the lease, under the usual terms with your landlord. We take nothing on top.

Our rules, in black and white.

  • 01We always pay the landlord direct. Never into your hands.
  • 02You get 48h after signing to cancel without any fee.
  • 03One active file at a time. No stacking.
  • 04No pressure at signing. You decide with a clear head.
— 05

One example, for real.

A
Aïcha · 28 yrs
Customer service, Orange CI · Yopougon

"The flat I wanted needed a 525k deposit. I didn't have that lying around. Chapay paid the landlord on Tuesday, I had the keys Wednesday. I repay 96k a month, it fits my budget. That's it."

Deposit525,000 F
Duration6 months
Fee10% · 52,500 F
Monthly96,250 F
Ratio / income17.5 %
File fee13,500 F

"We open the door. That's the job."

— The Chapay team

Chapay is not a bank. We are an Ivorian team, based in Abidjan, who decided the deposit should block nobody. We finance with our own capital, decide with our own analysts, and reply ourselves on WhatsApp.

— 06

The questions people ask.

What's the catch?

There isn't one. You pay a 13,500 F file fee at signing, plus a 10% service fee amortised across your monthly payments. The total and every due date are written into the contract, in black and white, before you sign. No hidden insurance, no penalty if you repay early.

Do I get my deposit back at the end?

Yes. 100%. The deposit belongs to you — it's paid to the landlord in your name, with a receipt in your name. At the end of the lease, it comes back to you under the normal lease terms. Chapay takes nothing on top.

Who can apply?

Any adult living in Côte d'Ivoire with verifiable income (full-time, contract, civil servant, or structured informal), who has found a place and has a signed or ready-to-sign draft lease. Minimum amount is 100,000 FCFA, maximum is 1,500,000 FCFA in year one.

What happens if I can't pay a month?

We call you before the due date if we sense difficulty. We can reschedule a payment without penalty, by simple agreement. Penalties only apply after an unannounced default — never by surprise, always after a conversation.

Are my documents safe?

Encrypted at rest (AES-256) and in transit (TLS 1.3). Storage complies with Ivorian law no. 2013-450 and our ARTCI registration. Access, rectification and erasure rights on request. We never sell anything, to anyone, ever.

Why trust Chapay?

Because we take the opposite stance from a bank: no superlatives, no unkept promises, no hidden fees. Our three cofounders stake their personal reputation on six public principles (disciplined scoring, transparency, deposit belongs to tenant, speed, compliance, honesty).

We open
the door.

On WhatsApp or via our guided web form — your call. Ten minutes of conversation. If your file holds up, the deposit is at your landlord's tomorrow.

Pick your channel
Start onlineAt your pace, guided form
Replies same-day, Monday to Sunday, 24h/24