Aella Credit Review
VerifiedWorkplace loans and personal credit for Nigerian workers
₦5,000 - ₦2,000,000
Loan Amount
3-20%
Monthly Interest
30-180 days
Repayment Term
Instant to 24 hours
Approval Time
Pros & Cons
Pros
- ✓Lower rates for employed workers
- ✓Higher loan limits than most apps
- ✓Both Android and iOS apps available
- ✓Salary deduction option (less hassle)
- ✓Investment and savings features
Cons
- ✗Best rates require employer partnership
- ✗Longer approval for personal loans
- ✗Strict verification process
- ✗Customer service can be slow
How to Apply for Aella Credit Loan
- 1
Download Aella app from Play Store or App Store
- 2
Sign up with phone number and BVN
- 3
Complete employment verification if applicable
- 4
Submit loan request with preferred tenure
- 5
Review terms and accept
- 6
Receive approval and disbursement
User Reviews
Folake M.Verified
Lagos
January 2025
My company uses Aella so I get loans at 3% monthly. Best rates I've found anywhere.
Tunde A.Verified
Abuja
December 2024
Good for workplace loans. Personal loan rates are similar to other apps though.
Blessing U.Verified
Port Harcourt
November 2024
Reliable app. Been using for 2 years. Limit keeps increasing.
Frequently Asked Questions
Is Aella only for company employees?
No. While Aella offers better rates to employees of partner companies, anyone can apply for personal loans through the app.
How does Aella workplace loan work?
If your employer partners with Aella, your loan is deducted directly from your salary. This reduces risk for Aella, so you get lower interest rates.
What's the maximum I can borrow from Aella?
Up to ₦2 million for qualified borrowers with good credit history. New users typically start with ₦20,000-₦100,000.
Does Aella report to credit bureaus?
Yes. Aella reports your repayment history to Nigerian credit bureaus. On-time payments improve your score; defaults hurt it.
Quick Info
- Founded
- 2015
- Headquarters
- Lagos, Nigeria
- CBN Licensed
- No
- Disbursement
- Instant to 24 hours
- Last Updated
- 2025-01-18
Requirements
- •Valid BVN
- •Nigerian phone number
- •Age 21-55 years
- •Smartphone (Android or iOS)
- •Employment verification (for lower rates)
- •Bank account with salary deposits