Accessible loans are becoming mainstream in the Nigerian economy. Gone are the days where you must enter the banking offices and institutions for a loan.Â
While there are some loans thatâll still force you to see the four walls of a banking office, we can access some in five minutes on your mobile phone.
Aella Credit is a loan app in Nigeria pioneering access to instant loans. Apart from loans, itâs also an investment platform and a marketplace for health insurance. Itâs close to a one-stop shop for all your business needs.
In this article, we will discuss Aella credit and investment opportunities.

How to access Aella Credit
- Download the Aella Credit app – it is available on the Apple App Store or the Google Play store.
- Create your account. Itâs a straightforward form (They wonât ask for your kidneys or anything)
- Update your profile (Again, no kidney requests)
- Check your eligibility. This is where youâll know if they approve you for a loan. This is also where you get to find out how much they have approved you for.
- Apply for the loan. (Just because youâve been approved for a certain amount doesnât mean you have to borrow all of it, especially if you donât need it.
- Only borrow what you need! Remember, loans arenât free money. You will need to pay back. And even though they arenât asking for your kidney during the process, donât put yourself when you must sell to pay back. Just teasing. But seriously though, take only what you need)
- Receive the funds in your bank account!
Aella Credit prides itself as being fast with their decision-making process. They claim five minutes is all you need (If you have slow internet, you canât blame them – but all things equal, five minutes is all you need).
How much can you get and what is their interest rate?
Available loan amounts are between N2000 and N1,000,000 with a maximum tenure of 3 months. Interest rates range between 6% and 20%, and there are no late or rollover fees.
The hack to qualify for higher loan amounts is to make prompt repayments so you can build your credit score to be available for not just higher loan amounts but more favourable interest rates.

Aella Notes (Investments)
With Aellaâs investments, you can earn a 26% annual return. Pretty impressive considering that the average annual return is about 12% according to the New York Stock Exchange. As if thatâs not great enough, investment packages start as little as N10,000!
To take advantage of this opportunity, simply open an account on https://notes.aellacredit.com/ and follow the prompts. Everything can be done online with the convenience of your mobile phone!
Conclusion
Aella Credit has made it itâs mission to offer affordable financial services in a fast and convenient way. With the facilities available, they have made it pretty easy to use their products to meet any business need.
Be it, borrowing, or even investing, this platform has made its mark. To learn more about Aella Credit, visit https://aellaapp.com/.