Aella: Savings, Loans, Bills
3.2star
35.1K reviews
1M+
Downloads
Rated for 3+
info
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).
LOAN RATES AND FEES
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: https://aellaapp.com/privacy-policy
Contact Us
You can always reach us at support@aellacredit.com 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
Website: https://aellaapp.com
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).
LOAN RATES AND FEES
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: https://aellaapp.com/privacy-policy
Contact Us
You can always reach us at support@aellacredit.com 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
Website: https://aellaapp.com
Updated on
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
3.2
34.4K reviews
Abdalla Mohammed
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November 20, 2023
This is the worst app. First they locked my account because i did a password reset, their customer care was useless and couldn't activate my account. Tried with another account but they said i needed to add a card. But can't add a card because i need to upgrade from bronze to silver. Fine, i sent my NIN to upgrade, but the upgrade failed with no reason given. And guess what, there's no chance to try other ID methods to upgrade. I'm basically stuck. It's a terrible service.
286 people found this review helpful
Abiodun Abidoye
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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.
483 people found this review helpful
Aella Financial Solutions Limited
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
Bosede Adegoke
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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.
805 people found this review helpful
What's new
Rev up your financial journey with our latest upgrade! Dive into a world of wealth-boosting features like Chest, where your money gets a workout and earns up to 14% PA interest rates. We've jazzed up the experience with KYC updates, ensuring a seamless experience. And hey, say hello to NIN compliance in line with CBN policy!