Aella Credit Loans – review 2026
Pros
- Salary advance facility for employees at partner employers at low rates
- Personal loans also available to non-partner-employer customers
- Fast digital application with disbursement within minutes
- Credit limit grows with repayment history
- Also offers health insurance and investment products within the app
Cons
- Best rates and terms limited to employees at Aella partner organisations
- Personal loans for non-partner customers attract higher interest rates
- App requires smartphone and internet connection
- Penalty fees for late repayment increase total loan cost
- Credit limit for new users without employer partnership may be limited
Requirements
- BVN
- Active bank account
- Android or iOS device with Aella app installed
- Valid government-issued ID
- Employment letter or proof of income for larger loan amounts
Provider contacts
- Regulator
- Central Bank of Nigeria (CBN)
Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.