Frequently asked questions
Clear answers before you begin
Understand AjoPoint programmes, Programme Units, schedules and Member access.
What is AjoPoint Network?+
A coordinated programme and commercial network that helps Members save, access scheduled value and acquire approved goods and assets.
Is AjoPoint the same as ordinary ajo?+
It shares the culture of consistent contribution, but AjoPoint uses defined programmes, Programme Units, registration, verification, schedules, records and professional administration.
What is RAP?+
RAP means Reliable Access Plan. Approved Members receive a Programme Position and a predetermined programme schedule.
What is FDAP?+
FDAP is AjoPoint’s Flexible Discipline Access Plan. Members access their approved programme value after successful completion, or may apply for Get Now when eligible.
What is AAP?+
AAP helps Members work progressively towards approved goods and assets through structured Programme Units.
What is a Programme Unit?+
One Programme Unit represents one complete programme contribution amount. Units express quantity; days and dates still express timing.
Can I pay ahead?+
Yes. Members may purchase one or multiple Programme Units at a time, subject to the applicable programme guideline.
What are ACD and SCD?+
ACD is the Assigned Collection Day for a RAP position. SCD is the corresponding Scheduled Collection Date.
What is APAE?+
The AjoPoint Programme Allocation Engine structures applicable programme schedules during registration.
Does applying guarantee approval?+
No. Applications are reviewed for verification, programme availability and approval before activation.
How do I get the app?+
Download the official signed Android app directly from the Members App page on this website.
Can I change my programme after starting?+
Contact AjoPoint for the current programme guideline before making any decision.