Aella App: Instant loans, bills payment and more

35K 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. You can grow your credit score and increase your credit limit by prompt repayments, with no paper documentation. All you need is your basic information, BVN, and a smartphone (iOS or Android).

Our loan ranges from ₦1,500 to ₦1,000,000 with a tenor of 60 days to 180 days. Our monthly interest rate ranges from 2% - 20% and APR from 22% - 264%/annum.

Aella Loan:
Loan Amount (Principal Range): ₦1,500 to ₦1,000,000
APRs: 22% to 264%
Monthly interest: 1.5% to 22%

Example Loan with Fee:
A loan of ₦30,000, has a fee of ₦6,000. No late penalty and no hidden charges.
A loan of ₦30,000, a customer would pay back ₦30,000(principal)+ ₦6,000(flat fee) = ₦36,000 total.

You have an option of choosing your loan amount and repayment tenor, you have an option of minimum of 60 days.

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 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, convenient access to hospitals and drug prescriptions across Nigeria.

Why Aella App?

Quick and easy loans up to N1,000,000. Our 5mins is 5mins. No late fees
Up to 30% interest cut on early repayment
No agency/convenience fees for any bill payments
Store money securely in your wallet, no fee charged
Wallet transfers to any bank account across Nigeria
Earn up 26% interest on investments.

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
Aug 4, 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
35K reviews
Peter Ologba
July 26, 2022
Personal information not saving. The app is misbehaving. My first name is appearing together with my last name in the space for the last name. As a result of this it is rejecting my BVN. I have changed it severally and received feedback of successful update but it's not changing.
2 people found this review helpful
Aella Credit
July 26, 2022
Hello Peter, we apologise for the inconvenience. Please send us a message at for further assistance.
Ben Andy
June 24, 2022
One of the best App ever! I had challenges for more than a year, all my investment crumbled, and unfortunately, I obtained a loan from Aella credit that particular time. But, they have never called to embarrass me anyday, until i was able to pay back recently. Thanks Aella. Finally, I want to use this opportunity to plead that, please clear my financial default record, and allow me to enjoy the App again. Thanks.
17 people found this review helpful
Luther Hilega
June 1, 2022
I have been trying to register on this App for over a week, haven't been successful. From refusing to upload my snap shot to now refusing to recognize my next of kin Mobile number. I haven't experienced this with any App in my entire life. Is it a scam or it is real? No phone number to contact, the chat forum refuses to go through. What a holistic mess.
36 people found this review helpful
Aella Credit
June 2, 2022
Hello Luther, kindly ensure the phone number is registered in Nigeria as the Aella app is only available in Nigeria at the moment. Thank you.