Aella App: Savings,Loans,Bills

35.9K reviews
Content rating
Rated for 3+
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About this app

Aella is a fintech company built to simplify instant credit and payment solutions for emerging markets. At Aella, we have designed products that build financial independence for our customers such as loans, investments, bill payments, micro-insurance plans, and money transfers. All of these at the snap of your fingers.

What we Offer

Aella Credit: Quick and easy access to loans in 5mins. With no paper documentation, you can grow your credit score and increase your credit limit by prompt repayments. All you need is your basic information, BVN, and a smartphone (iOS or Android).

Our loan ranges from ₦2,000 to ₦1,500,000 with a tenor of 61 days to 365 days. Our monthly interest rate ranges from 2% - 20% and APR from 22% - 264%/annum.

Aella Loan:
Loan Amount (Principal Range): ₦2,000 to ₦1,500,000
APRs: 22% to 264%
Monthly interest: 1.5% to 22%
Early repayment discount of up to 60%
No hidden or late fees

Example: A loan of ₦100,000 on Aella App has a fee of ₦15,000 after 180 days. No late penalties and no hidden charges. The customer would pay back ₦100,000(principal)+ ₦15,000(flat fee) = ₦115,000 total. The Annual Percentage Rate (APR) of the customer is 15%.
The Customer has flexible tenors for up to 6 months with the ability to make early repayments at any point in the tenor with further discounts.

How to Apply
Download the Aella App
Create your account
Update your profile
Check Eligibility
Apply for loan
Receive funds in your wallet instantly.

Aella Pay: Bill payments are made easy. Pay for airtime (Glo, MTN, Etisalat, 9Mobile), Power (EKEDC & IKEDC), Internet Data, Transfers etc at no extra cost.

Aella Care: Having health insurance sometimes feels like a long process. At Aella Care, we provide a simple, quick and easy process that helps you to get very affordable health care plans, and convenient access to hospitals and drug prescriptions across Nigeria.

Why Aella App?

Quick and easy loans up to N1,500,000. Our 5mins is 5mins. No late fees
Up to 60% interest cut on early repayment
No agency/convenience fees for any bill payments
Store money securely in your wallet; no fee is charged
Wallet transfers to any bank account across Nigeria

Privacy and Permissions

Aella respects your privacy and we are committed to protecting your Personally Identifiable Information (PII) that may be collected through your use of our website or mobile application or in applying for or receiving any of our products or services.

With your permission, we access some data on your device for proper identity verification, loan eligibility determination and some other legitimate purposes.

Learn more about privacy policy on our website:

Contact Us

You can always reach us at or through the in-app chat, and our customer service team will be on hand to assist you as quickly as possible

Follow us on Instagram: @Aellaapp and Twitter: @Aella
Updated on
Sep 29, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 3 others
Data is encrypted in transit
You can request that data be deleted
35.9K reviews
April 22, 2021
Below issue is getting to a month. The APP is misbehaving this time around. Every other thing works fine on the App but once you go to the loan page, the App will automatically close. I have sent several mails to this effect but it seems resolution is beyond them. Aside this issue, this is a good place to be. I had to reduce my rating due to the current APP issue.
348 people found this review helpful
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Aella Credit
April 22, 2021
Hi, we apologise for your experience. We have received your review and are currently working on it. Thank you for your patience and feedback.
Bosede Adegoke
August 18, 2020
The best so far. Easy to access. Prompt response and faster. Aellacredit gives no stress at all. There interest is moderate and loan term is superb. It gives borrower enough time to get the money and pay at due time. They have good approach towards customers. Aellacredit as a financial institution, is not difficult to use. Easily accessible, fast disbursement, registration is made easy. Their app do not delay. It's very fast and it gives a clear explanation when you are not clear of some issues.
441 people found this review helpful
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Abiodun Abidoye
August 5, 2020
This is a cool loan app that loan in minutes. My experience with this app is good because they provide long term repayment plan and simple interests, but the fault i have with this app is that after collecting a loan and repaying the loan, credit limit is not increased so they only give you the same amount you collected before ( eligible loan amount is not increased) which is not okay. So, i would rate 5 stars if this problem is fixed.
341 people found this review helpful
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Aella Credit
August 5, 2020
Hi Abiodun, Thank you for providing your valuable feedback. We appreciate your interest in wanting a higher loan. However, the system determines the amount you are eligible for, I'm sure you’ll get a higher loan amount very soon. Thank you for choosing Aella Credit. Temitayo

What's new

We enhanced our card request process to make Aella Card dispatch seamless.
Bug Fixes
It was becoming a chore to get verification codes. We fixed this and now getting verified is a walk in the park.