Is Aella Credit Loan legit? interest rate, customer care contacts

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Aella Credit is a fintech company that aims to simplify instant credit and payment solutions for emerging markets. They offer a range of financial products, including loans, investments, bill payments, micro-insurance plans, and money transfers, all accessible through their Aella App.

In this article, we will explore the features and benefits of Aella Credit loans, the loan requirements for Nigerian customers, the application process, the app download instructions, how to contact customer care, and the legitimacy of Aella Credit.

Aella Credit Interest Rates

Interest rates are an essential factor to consider when taking out a loan. Aella Credit offers loans with monthly interest rates ranging from 2% to 20%, and an Annual Percentage Rate (APR) ranging from 22% to 264% per annum.

It’s important to note that interest rates can vary over time, so borrowers should ensure they are aware of the current interest rate before accepting any loan offer.

For example, if you borrow ₦100,000 on the Aella App with a fee of ₦15,000 after 180 days, the total amount to be repaid would be ₦115,000 (₦100,000 principal + ₦15,000 flat fee).

In this case, the APR would be 15%. Aella Credit also provides flexible tenors for up to 6 months, allowing borrowers to make early repayments at any point during the tenor with additional discounts.


To be eligible for an Aella Credit loan in Nigeria, applicants must meet certain requirements, including:

  1. Minimum age of 18 years old: Applicants must be at least 18 years old to qualify for a loan.
  2. Bank Verification Number (BVN): A valid BVN is required for identity verification and loan eligibility determination.
  3. Source of income: Applicants must have a verifiable source of income.
  4. Bank account: A functional bank account is necessary for receiving loan funds.

Meeting these requirements will help ensure a smooth application process and increase the chances of loan approval.

How to Apply for an Aella Credit Loan

Applying for an Aella Credit loan is a straightforward process. Here’s a step-by-step guide on how to apply:

  1. Download the Aella App: Visit the official app store for your mobile device (iOS or Android) and search for “Aella” to download the app.
  2. Create your account: Open the app and follow the registration process to create your account. Provide the required information accurately.
  3. Update your profile: Once your account is created, update your profile with the necessary details, including personal and contact information.
  4. Check eligibility: After updating your profile, check your eligibility for a loan. The app will provide information on the loan amount you qualify for based on your profile and creditworthiness.
  5. Apply for the loan: If eligible, proceed to apply for the loan within the app. Provide the necessary information and specify the desired loan amount and repayment tenor.
  6. Receive funds in your app instantly: If your loan application is approved, the funds will be disbursed directly into your Aella App account. You can then use the app to make payments or transfer the funds to your bank account.

By following these steps, users can quickly and easily apply for an Aella Credit loan and receive the funds in their app.

App Download

To access Aella Credit’s loan and other financial services, users need to download the Aella App from the official app store for their respective mobile devices. It’s essential to note that users should only download the app from trusted and official app stores to.

Is Aella Credit Legit?

Aella Credit is a legitimate fintech company that offers financial services and credit solutions in emerging markets. They provide loans, investments, bill payments, micro-insurance plans, and money transfers through their Aella App. They have a user-friendly mobile application that allows customers to access their services conveniently.

However, it’s important to note that while Aella Credit is a legitimate company, it’s always a good idea to exercise caution when dealing with financial services. It’s advisable to thoroughly research and understand the terms and conditions, interest rates, and fees associated with any loan or financial product before committing to it.

If you have specific concerns or questions about Aella Credit’s legitimacy or any of their services, it’s recommended to contact their customer care team through email or their social media channels to get accurate and up-to-date information directly from the company.

Customer care

If you have any questions or need assistance with Aella Credit, you can reach their customer care team through the following channels:

  1. Customer Care Phone Number: Aella Credit does not appear to have a phone number for customer support.
  2. Email Support: You can also send an email to Aella Credit’s customer support team at Be sure to provide detailed information about your inquiry or issue so that they can assist you effectively.
  3. Social Media: Aella Credit is active on social media platforms such as Twitter and Instagram. You can reach out to them through their social media accounts and send direct messages with your queries.

It’s recommended to include relevant details and provide clear explanations of your concerns to receive the most accurate assistance from Aella Credit’s customer care team.

All rights reserved. Do not copy, rewrite or republish this content, in part or in whole, without proper credit to the source.

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About the Author: Femi Olawole

Femi Olawole is a seasoned blogger with interest on providing helpful Contents on online loan apps, Tech and Business.

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