Aella – online loan Nigeria

Aella – Digital Personal and Employee Loans Nigeria

Aella (Aella Limited) is a Nigerian fintech company that provides digital financial services including personal loans, insurance, and healthcare financing. Founded to improve financial inclusion in emerging markets, Aella uses alternative data and technology to assess credit risk and offer loans to employed individuals, self-employed professionals, and individuals who may not qualify for traditional bank loans. The platform serves hundreds of thousands of borrowers across Nigeria through its mobile app available on both Android and iOS.

Aella offers personal loans from ₦2,000 to ₦1,000,000 with monthly interest starting from 6% and repayment periods of 1 to 3 months. The application process is fully digital — you download the Aella app, register with your BVN, upload your ID, and receive an approval decision within minutes. For employed individuals, Aella may request payslips or employer verification. Funds are credited directly to your registered bank account and repayment is via automatic debit or manual transfer on the due date.

Aella operates in compliance with Nigerian financial regulations and partners with licensed financial institutions to offer its credit products. The app uses bank-grade security to protect your personal and financial data. Aella is a strong option for salary earners and young professionals who need quick access to credit without lengthy paperwork. The platform also offers healthcare financing for medical bills, making it more versatile than standard loan apps.