Aella Credit loan | Learn how to apply for a loan on Aella Credit app

Need a short term loan? Learn how to get one with aella credit loan app in Nigeria, Ghana and Philippines. A loan worth up to N90k instantly, with low interest rate, to repay back in 2 to 3 months period directly to your bank account.

You can apply for a loan upon downloading the app on Google play store on your Android device anywhere you are either at home, office or work.

Their are other loan lending platforms in Nigeria that gives out loan without collateral through its website and others that gives out loan through its mobile app such as:

To name but a few, they have their own pros and cons. But it’s always important to check it out and find the one that suits you loan taste, Incase you ain’t satisfied with aella credit loan amount.

In this article, am going to talk about the following:

  • Aella credit
  • How it works
  • In-Network users
  • Loan requirements
  • How to apply
  • Reasons to trust Aella credit with your BVN/Bank details
  • Loan interest rate
  • Repayment channels.

Aella Credit

Aella credit is an online loan platform that provides a short time loan to salaried employees and individuals through its app.

Each one of us need money at times to carter for our different needs and wants which could not be met solely by depending on savings. So looking for the best loan platforms that will provide loans to us without any collateral will be a perfect solution.

There are 3 best ways to seek for a loan in this finance market namely: BanksFamily and friends and lastly Online.

Now, if you are to decide which option is best for you, am pretty sure that all, or, most of you will opt for the last one (ONLINE), because it saves Stress, it can be apply without collateral and can be applied from the comfort of your home, office or work.

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How Aella Credit Loan Works

Aella credit loan works in the following ways:

  1. Download and install the Aella credit app from Google play store
  2. Take your first loan, repay your loan on time and you’ll automatically be eligible for a higher amount on your next loan
  3. Borrow up to three times and repay each on time over at least a three (3) month period and get a reduced interest rate
  4. Share your stories/testimonials on their website
  5. You can now get access to Aella credit In-Network loans which have even higher amounts (up to N720k), lower interest rates and longer tenors.

Aella Credit Loan In-Network Users

In-Network users are individuals that have previously borrowed for more than 3 times on aella credit loan app and pay back their loan successfully as at when due.

Aella Credit Loan Requirements

To access a loan, you are required to provide this following informations:

  • Bank Details (where the money will be disbursed)
  • BVN (to make sure that the person seeking for the loan is the same as the owner of the registered bank account
  • Mobile Phone (which you will use to download and install the app)
  • N30 (processing fee)

How To Borrow Loan On Aella Credit In Nigeria, Ghana And Philippines

To apply for a loan and get accepted, please follow this tips

  • Click here to take you to Google play store.
  • Download and install the aella credit app.
  • Click on the “sign up” button to create an account.
  • Fill in your personal details such as your name, email, phone number, password etc.
  • Also fill in your bank details when required, such as your BVN, bank account, account number etc.
  • You might be required to pay N30 loan processing fee
  • Receive your money within 24 hours directly to your bank account.

Why Should I Trust Aella Credit With My BVN/Bank Details

Aella credit Ltd will request for your bank verification number(BVN) to verify if an individual who is seeking for a loan is the same as the owner provided bank account. This is to ensure that your details cannot be used to apply for a loan without your authorization in the event a 3rd party has access to your account details.

Your card/bank details are secured because they make use of a world class standard security and encryption technology to protect all its users card details. So when you provide them your information, be assured of your privacy. For more information on aella credit loan terms and conditions and privacy policy click here.

Aella Credit Loan Interest Rate

By using the Aella credit loan app, you can access for a loan starting from N1,500 to N90,000 for first timers, with a monthly interest rate of 4% to 49% with terms ranging from 1 month(30 days) to 2 months(60 days).

For In-Network Users, the can access for a loan of N5,000 to N720,000 with a monthly interest rate of 1% to 14%. With terms from 4 Weeks(1 month) to 68 weeks(2 months and 1 week).

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Aella Credit Loan Repayment Channels

Is your loan at when due or approaching it’s due date? Worry not because Aella credit will automatically deducts your payment from the bank details you submitted when applying for a loan.
So you have nothing to worry about, just make sure that your bank account is fully funded in other to avoid late repayment which attracts a penalty.

Aella Credit Customer Care

For issues and complain, please contact aella credit customer care by sending a mail at


Aella credit gives out loans to individuals through its app, so if you have not yet downloaded and installed the app, rush now and do so, in other to apply for a loan. Also, try to pay off your loans at its due date to avoid any penalties.

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