aella credit loan

Aella credit loan: Get up to N720,000 loan with no collateral

Aella Credit is committed to helping people achieve financial independence through granting of credit with a very low-interest rate.

Like every other loan apps you have come across, aella credit loan app is a loan giving app with no question on why you need the loan.

Are you planning a wedding or need to give that business idea a push?
Yours could be for home improvement or medical expenses, Aella credit loan is available to let you meet your immediate needs anywhere and any time.

The team is ever ready to take on the competitors by using innovation, simplicity and also with the fundamental belief that everyone deserves access to credit irrespective of their gender.Aella credit loan

Why Aella Credit?

  1. Easy set up after installation from google play store.
  2. No need for collateral to get the loan.
  3. Competitive rate.
  4. Get loan to your account in 2 minutes or less.
  5. A seamless repayment plan is available for beneficiaries.
  6. Reduced interest rate on subsequent loans when you pay on time.

How does it work?

Here is a complete guide on Aella Credit Loan:

1. Network loans (Employees’ loan)

This particular loan is directed towards employees, that is salary workers who are looking for a temporary fund to take care of their urgent needs. Only in special circumstance that non-employees can have access to Aella Credit Loan.

To get started, you will need to bring your company on board. Talk with your HR and convince him or her on the need to have the company listed on Aella Credit. This is done by signing up which should not take less than a few minutes depending on your typing skill.

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Note that the HR would need to download the app apk to complete registration, after a successful one, you can begin to enjoy credit from Aella Credit.
Your HR can just follow this link to register the company. CAC document will be needed to complete the registration.

As an employee, you will need to provide some certain information, among them are BVN and phone number. This helps the company to confirm your identity.

Let me simplify how aella credit work

  • Your HR downloads and registers on the app. During registration, HR will need to provide certain information about the company and its employees.
  • After successful registration, log in using the company credentials.
  • To get the loan, you are required to fill form and submit.
  • Funds are sent immediately the Aella Credit gets your application.

Now that you have your loan disbursed, it is now time to talk about your own commitment.

Don’t expect to have access to bigger loan instantly, there are bridges to cross.

The lowest amount you can enjoy is N1,500 and not more than N90,000 for a start. The tenor is one month to two months depending on the amount borrowed with interest rate of 4% to 29%.

You can still migrate to network loan by following the steps below:

  • Take the first loan, make payment on time and you can a higher fund when next you need one.
  • When you take a loan for 3 more times with repayment period of not more than 3 month period, you will get reduced interest rates subsequently.
  • When you have a good credit score with Aella credit, you can now enjoy bigger loan, very low-interest rate and longer tenors.
  • Thereafter, you can get loan from N5,000 to N720,000 with the repayment period from 1 month to 17 months.
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What is better, interest rate on network loan stands at 1% to 14% which is reasonable if you ask me. No late fees too since the system automatically deducts immediately your salary enters.

2. Aella Credit Loan for investors

Not an employee with any organization or just an investor who is looking for a fund to improve his or her business?
As an investor, you will be putting a lot of money on a business having at the back of your mind the various risks, of course, you won’t want to borrow money at a high-interest rate.

Aella Credit is here for you with annual returns of 15% to 48%. The power is absolutely in your hand.

Let me skip the part where I tell you to go to google play store or apple store to have Aella Credit installed on your phone. Why? It is because it is not yet available right now but the team is working endlessly to ensure it happens. Contact support for further information.

Aella Credit loan App For Ios

Aella Credit loan is now available for iPhone and Ipad users. The loan can be found on apple store on your mobile device by searching for, “Aella Credit” or you can click on this link.

Aella credit contact details

  • Nigeria office address: Pentagon Plaza, 23 Opebi Road, Ikeja, Lagos.
  • Phone no: 09080296333, 09080296444
  • Email:
  • Website:


Is it just me that feel Aella credit is not getting the ovation it deserves? I have not seen much loan apps that can give you up to N720,000 for such a long tenor. Not even the popular branch loan.

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Fairmoney loan app does not even get a chance if you ask me. Nevertheless, they all can be relied upon to get you away when you need one. As usual, no questions asked.

Happy borrowing!

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