Aella Credit is one of the most flexible loan apps in Nigeria, especially for students, part-time workers, and people without a stable salary structure. Unlike some lenders that rely heavily on credit bureau checks, Aella uses alternative scoring methods and sometimes leverages employer partnerships to give borrowers fairer access.
Itโs a bad-credit-friendly app because it does not automatically reject applicants with poor credit history. Instead, it considers your employment details, repayment behavior, and in-app activity. With loan offers up to โฆ300,000, Aella Credit is a good middle ground between small โfirst-timer appsโ and high-limit players like Branch or FairMoney.
Aella Credit Loan App Quick Facts
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Loan Range: โฆ5,000 โ โฆ300,000
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Approval Speed: 5โ10 minutes
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CBN Licensed: Partner-based (operates under a microfinance framework)
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Credit Bureau Use: None (internal scoring + employer partnership)
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Repayment Period: 30โ180 days
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Best For: Students, part-time earners, freelancers, side hustlers
Why Choose Aella Credit?
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Employer-friendly systemโSome companies partner with Aella to provide loans directly to employees. If your employer is listed, you get faster approval and lower interest rates.
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Flexible eligibilityโUnlike FairMoney or Branch, Aella doesnโt heavily depend on bureau history, which makes it ideal for those previously rejected.
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Medium loan limitsโup to โฆ300,000, which is perfect for students or part-timers who donโt want to over-borrow.
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Simple repayment channels โ Repay via card, bank transfer, or in-app payment without hidden charges.
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Supports financial literacyโAella includes features that help users learn better money management, a unique touch compared to competitors.
Drawbacks to Note
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Not the highest loan limitsโif you need โฆ500,000+, Branch or EaseMoni might be better.
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Approval speed variesโsome users report delays, especially if not tied to an employer.
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Interest rates may feel steepโfirst-timers might pay slightly higher rates until they build trust.
How to Apply for an Aella Credit Loan
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Download the Aella Credit app from the Google Play Store.
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Sign up using your phone number, email, and BVN.
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Fill in your profile, including employment or student details.
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Apply for a loanโapproval typically takes 5โ10 minutes.
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Funds are credited directly to your bank account once approved.
๐ Ready to get started?
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Apply Now on Aella Credit
Pro Tips for Borrowers
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If youโre a student, start small (โฆ5,000โโฆ20,000) and repay on time to unlock higher limits.
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If your employer partners with Aella, useย your work ID or payroll info for faster processing and better rates.
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Avoid late repaymentโsince Aella doesnโt rely on bureau reports, it tracks repayment behavior closely. Paying late can reduce your future limits.
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Think of Aella as a โcredit starterโโit helps you build history before moving on to higher-limit apps like FairMoney or EaseMoni.
Final Thoughts
Aella Credit is an excellent choice for students, freelancers, and part-time earners who often get rejected by strict lenders. Its partnership-driven model makes it stand out, especially if your employer is connected to the platform. While its loan limits cap at โฆ300,000 (lower than Branch or EaseMoni), its flexibility, fair scoring system, and friendly repayment terms make it one of the best entry-level loan apps in Nigeria.
If youโve been frustrated by outright rejections from Palmcredit or QuickCheck, Aella Credit gives you a second chance while helping you build trust for future borrowing.
“Need higher limits? Check out EaseMoni Loan Review or FairMoney Loan Review for loans up to โฆ500,000 or check the general full guide here Loan Apps for Bad Credit in Nigeria“