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.
It’s 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 ₦300,000, Aella Credit is a good middle ground between small “first-timer apps” and high-limit players like Branch or FairMoney.
Aella Credit Loan App Quick Facts
Loan Range: ₦5,000 – ₦300,000
Approval Speed: 5–10 minutes
CBN Licensed: Partner-based (operates under a microfinance framework)
Credit Bureau Use: None (internal scoring + employer partnership)
Repayment Period: 30–180 days
Best For: Students, part-time earners, freelancers, side hustlers
Why Choose Aella Credit?
Employer-friendly system—Some companies partner with Aella to provide loans directly to employees. If your employer is listed, you get faster approval and lower interest rates.
Flexible eligibility—Unlike FairMoney or Branch, Aella doesn’t heavily depend on bureau history, which makes it ideal for those previously rejected.
Medium loan limits—up to ₦300,000, which is perfect for students or part-timers who don’t want to over-borrow.
Simple repayment channels – Repay via card, bank transfer, or in-app payment without hidden charges.
Supports financial literacy—Aella includes features that help users learn better money management, a unique touch compared to competitors.
Drawbacks to Note
Not the highest loan limits—if you need ₦500,000+, Branch or EaseMoni might be better.
Approval speed varies—some users report delays, especially if not tied to an employer.
Interest rates may feel steep—first-timers might pay slightly higher rates until they build trust.
How to Apply for an Aella Credit Loan
Download the Aella Credit app from the Google Play Store.
Sign up using your phone number, email, and BVN.
Fill in your profile, including employment or student details.
Apply for a loan—approval typically takes 5–10 minutes.
Funds are credited directly to your bank account once approved.
👉 Ready to get started?
✅ Apply Now on Aella Credit
Pro Tips for Borrowers
If you’re a student, start small (₦5,000–₦20,000) and repay on time to unlock higher limits.
If your employer partners with Aella, use your work ID or payroll info for faster processing and better rates.
Avoid late repayment—since Aella doesn’t rely on bureau reports, it tracks repayment behavior closely. Paying late can reduce your future limits.
Think of Aella as a “credit starter”—it 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 ₦300,000 (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 you’ve 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 ₦500,000 or check the general full guide here Loan Apps for Bad Credit in Nigeria“