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Is Aella Credit Loan legit? How to Apply,  interest rate, App Download, customer care contacts

Is Aella Credit Loan legit? How to Apply,  interest rate, App Download, customer care contacts

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Yes, Aella Credit is a legitimate loan platform operating in Nigeria. The company is registered with the Corporate Affairs Commission (CAC) and has obtained the necessary licenses and approvals from the Central Bank of Nigeria (CBN) and the Nigerian Deposit Insurance Corporation (NDIC).

Aella Credit was founded in 2012 and has since provided loans to thousands of individuals and small businesses in Nigeria. The platform offers quick and easy access to loans, with flexible repayment terms and competitive interest rates.

Is Aella Credit Loan legit? How to Apply,  interest rate, App Download, customer care contacts
Is Aella Credit Loan legit? How to Apply,  interest rate, App Download, customer care contacts

Aella Credit’s loan products include personal loans, business loans, salary loans, and emergency loans. The company uses advanced technology and data analytics to assess loan applications quickly and accurately, making it easier for borrowers to access the funds they need.

The company has also received recognition and awards for its innovative approach to lending, including being named the “Best Digital Lender” at the 2019 Digital Innovation Awards organized by the Nigerian Communications Commission (NCC).

How to Apply For a Loan through Aella Credit Loan app.

Applying for a loan through the Aella Credit Loan app is a quick and convenient process.

  • Download and Install the Aella Credit Loan App: To get started, download the Aella Credit Loan app from the Google Play Store or the App Store. Once you’ve installed the app, open it and follow the prompts to create an account or sign in if you already have an account.
  • Fill Out the Application Form: After logging in, you’ll be prompted to fill out an application form. The form will ask for your personal information, such as your name, address, and contact details. You’ll also need to provide your employment details, including your income and work history.
  • Upload Required Documents: Next, you’ll be asked to upload some documents to support your application. These may include a government-issued ID, proof of income (such as a payslip or bank statement), and proof of address (such as a utility bill). Make sure all documents are clear and legible.
  • Submit Your Application: Once you’ve filled out the application form and uploaded all required documents, submit your application. You’ll receive a confirmation message letting you know that your application has been received.
  • Wait for Approval: After submitting your application, wait for approval. Aella Credit will review your application and let you know whether it has been approved or not. This usually takes a few hours to a few days. If your application is approved, you’ll receive a loan offer via the app. If it’s not approved, you may be asked to provide additional information or documentation.
  • Accept or Decline Your Loan Offer: If your loan offer is accepted, sign the digital loan agreement within the app. You’ll then receive the funds directly into your bank account within 24 hours. If you decide not to accept the loan offer, simply decline it within the app.
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Aella loan app interest rate

The exact interest rate charged by Aella loan app varies based on several factors, including the loan amount, repayment period, and the borrower’s creditworthiness. Here’s a breakdown of how these factors impact the interest rate:

  1. Loan Amount: Aella loan app charges a lower interest rate for higher loan amounts. For example, for loans between N50,00 and N250,00, the interest rate ranges from 2.5% to 3.5% per month. For loans between N250,00 and N1,000,000, the interest rate ranges from 2% to 3% per month.
  2. Repayment Period: The longer the repayment period, the lower the interest rate charged by Aella loan app. For loans with repayment periods of up to 6 months, the interest rate ranges from 2.5% to 3.5% per month. For loans with repayment periods between 7 and 12 months, the interest rate ranges from 2% to 3% per month. For loans with repayment periods of more than 12 months, the interest rate ranges from 1.5% to 2% per month.
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Aella Credit App Download

The Aella Credit App is available for download on both the Google Play Store and the Apple App Store. To ensure a smooth and secure download process, we recommend that you only download the app from these official sources.

Here’s how to download the Aella Credit App:

  1. Open the Google Play Store or Apple App Store on your smartphone or tablet.
  2. Search for “Aella Credit App” using the search bar at the top of the screen.
  3. Select the official Aella Credit App from the list of search results.
  4. Tap the “Install” or “Get” button to begin the download process.
  5. Follow the prompts to complete the installation process and create an account or log in to your existing account.
  6. Once you’ve logged in, you’ll be able to access all your credit accounts and enjoy the full range of features offered by the Aella Credit App.

Remember to always verify that you’re downloading the official Aella Credit App from a trusted source to ensure that it’s safe and free from any malware or viruses.

Aella customer care contacts

Aella Credit prioritizes excellent customer service to ensure that our clients have a seamless loan experience. If you need any assistance with your Aella Credit loan, you can reach out to our customer care team through the following channels:


WhatsApp: +234 908 281 5161


Phone: 01-270-7000 (Monday – Friday, 9 am – 5 pm)


Aella’s WhatsApp number is available 24/7 for urgent inquiries and requests. Simply send us a message, and one of our agents will respond promptly. For less urgent matters, you can send an email to, and we will respond within 24 hours. Our phone line is operational from Monday to Friday, between the hours of 9 am and 5 pm.

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FAQs: Is Aella Credit Loan legit? How to Apply,  interest rate, App Download, customer care contacts

What is Aella Credit Loan App?

Aella Credit Loan App is a mobile application that provides quick and convenient access to personal and business loans for individuals and small business owners. The app offers an easy-to-use platform where users can apply for loans, monitor their loan status, and receive funds directly to their bank accounts. Aella Credit Loan App aims to make the borrowing process more accessible and transparent for its users.

How does Aella Credit Loan App work?

When using Aella Credit Loan App, users can start by downloading the app from the Google Play Store or Apple App Store. Once installed, users can create an account and proceed to fill out a loan application form. The app uses advanced algorithms to evaluate the applicant’s creditworthiness and generate a loan offer based on the user’s financial profile. Upon approval, the user can choose the desired loan amount and repayment schedule. Funds are typically disbursed directly to the user’s bank account upon acceptance of the loan offer.

What are the eligibility requirements for Aella Credit Loan App?

To qualify for a loan through Aella Credit Loan App, applicants must meet certain criteria, including being of legal age, having a steady source of income, and possessing a valid bank account. Additionally, the app may consider the applicant’s credit history and overall financial stability when evaluating the loan application. Meeting these requirements increases the chances of approval and access to favorable loan terms.


Aella Credit Loan App provides a user-friendly platform for individuals and small business owners to access quick and convenient loans. By leveraging technology and data-driven processes, the app streamlines the borrowing experience, making it accessible to a wider audience. Understanding the app’s functionality and eligibility requirements is essential for those seeking financial assistance through this platform.

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