Aella: Savings, Loans, Bills

35.1K 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 app 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 healthcare 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 app; no fee is charged
App 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
Apr 24, 2024

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

Ratings and reviews

34.4K reviews
Emmanuel Afaye
April 19, 2024
These App is 100% Fraud. I applied for a loan they gave me the loan after binding my ATM Card and Deactivated the Account. I couldn't used the money and my 30% interest is ticking. There UI looks so fake. An App that started over 5 years looks like it was done yesternight. Don't fall for this Fake Loan App.
7 people found this review helpful
Josephine Shishi
May 14, 2024
This is an amazing app, provide them with accurate information and enjoy fantastic service,prompt responses,fast disbursement and very reliable.Reps are equally friendly.💜💜
1 person found this review helpful
Nancy Agolokigho
April 30, 2024
I can sense this people are becoming fraudulent in their dealings. A few days ago I was to uodate my app. After the update, instructed me to take screen and also provide my BVN which I did. To my surprised , when it finally opened it was someone elses details. I have reached to them for 4 days now, their customer care appologised and asked for my BVN & NIN. But as I speak they havent responded to any of my emails again. My money is stuck in my account. Finally, they told user not foound.
2 people found this review helpful
Aella Financial Solutions Limited
January 23, 2023
We regret to note this. Our loans are disbursed immediately your details are provided. Please contact us at with your details so that we can address your concern.

What's new

Say goodbye to repetitive payment entries and say hello to a more effective way of managing your finances with the new Save Beneficiary feature.

You can now effortlessly save your preferred beneficiaries for recurring bill payments. This includes electricity, internet, airtime, or any other recurring bill payment.

Enable the Save Beneficiary feature !