Aella

Interest Rate	30%
Duration	30 days
Access Level	Public
Company Name	AellaApp
Phone 1
Phone 2
Website or Store	https://aellaapp.com
Address
Category	Safe Loan
Company Email	support@aellacredit.com
Views	4,630

FAQ

Can I still pay them if they defame me?

Once a loan app has defamed you — by sharing your information, contacting your friends, or posting false claims — they have violated your privacy and broken the law. At that point, the agreement between you and them is already compromised.

You should report them to the FCCPC, CBN, and NDIC or any agencies in your country instead of paying. Paying them after such illegal behavior only encourages their abuse and gives them more power to exploit others.

Can loan apps post my pictures on social media?

You should not worry about loan apps threatening to post your picture on social media. If you check their accounts, you’ll notice most of them have fewer than 100 followers. This means they are mainly circulating your picture among themselves just to instill fear in you. Never pay a dime if any loan app posts your picture online; they are actually the ones owing you, not the other way around. Instead, report the account to the appropriate social media platform, and it will likely be closed down.

Can they auto-debit my account?

If you linked (bound) your ATM card during registration with a loan app, they can automatically debit your account. To prevent this, you should go to your bank, block the card, and request a new one.

For fully licensed Microfinance Banks that may use the Global Standing Instruction (GSI) or place a lien on your account, the safest option is to move your money to another bank account that has never been registered with loan apps. This will stop them from debiting your funds.

Can they come to my house or office to arrest me?

99% of loan apps cannot come to your house or office because most of them operate illegally and have no legal right to pursue you physically. Only fully licensed and approved Microfinance Banks with a registered office address and reputation as a legitimate financial institution can pay you a friendly visit, but never to arrest you.

Borrowing is a civil matter, not a criminal case. That means you cannot be arrested simply because you owe money. If any licensed microfinance bank tries to harass or threaten you, please contact us immediately—we will take the right steps to deal with them.

As for loan apps, they cannot legally come to your house or office to arrest you.

Can this loan app defame me?

Yes and No, a loan app can defame you, but it usually depends on where you downloaded the app from and what permissions you gave it.

If you downloaded the app outside the Play Store or App Store (for example, from a direct link or third-party site), it’s very likely the app will misuse your information. Many of those apps are not properly regulated.
How they access your contacts:

Loan apps need Contact permission to copy your phone contacts.
They also sometimes request Call log permission, which allows them to see your dialed, received, and missed calls—but not your full contact list.

If you used the app before 2023:

Before 2023, many loan apps could freely access contacts because the rules were not strict.
From 2023 onward, Google Play Store and Apple App Store introduced policies that restrict apps from accessing contacts and call logs unless it’s absolutely necessary.

Can this Loan App Hack my Account

An app itself can’t magically “hack” your bank account, but a malicious loan app can steal your data or enable attacks that give criminals access — so treat them as potentially dangerous. Never download apps outside Play Store or App Store

Can you categorize this Loan Apps as a good loan apps?

Any loan app that charges above 7% per month and does not allow repayment to be spread across 3 to 6 months is a criminal organization. Stay away from them—they will ruin you financially

Do I need to Generate Disclaimer for this Loan App

You only need to generate a disclaimer if the loan apps have access to your contacts or if they are not licensed. To know whether a loan app is likely to defame you, check the permissions it has on your device. If it has access to your contacts or call logs, and it is not a licensed or approved agency such as the Central Bank, then you need to send a disclaimer.

Do you suggest I fight back against this loan app if they send abusive messages?

Yes — fight back. They prey on fear; pressure and exposure make predatory loan apps back down. Upload all their messages and evidence to our platform immediately — we are working to sue them. They’ll often flee once they’re documented and reported.

Explain How Credit Bureau Works

How a malicious loan app can compromise your details

Phishing / social engineering: tricking you into giving OTPs, passwords, or BVN details.

Permission abuse: access to SMS, contacts, call logs, or accessibility services can let an app read OTPs or intercept communications.

Fake login pages/overlay attacks: an app may show a fraudulent screen that captures your bank credentials.

Malware/keyloggers: Some apps can record taps or keystrokes if they get high-level permissions.

Linking to compromised websites: clicking links can download malware or steal details.

Never share OTPs, BVN, or passwords with anyone.

Don’t grant Accessibility or SMS-read permissions to untrusted apps.

Install apps only from official stores and check reviews/permissions.

How do I get rid of their daily messages and calls?

To stop their frequent calls, you can install Truecaller, upgrade to Premium, and use the Block Spam Calls feature. This will automatically filter out most unwanted numbers. (Check the video below for step-by-step details.)

For WhatsApp calls and messages, fight back smartly: never listen to their voice notes or read their messages. Instead, use the response strategy in the link below to reply safely. When you push back confidently, scammers usually give up and flee.

https://loansharkreview.com/MessageTemplate

They sent a message to me that they will block my BVN. Is it possible?

Loan apps do not have the authority or technical access to block your BVN. Only the Central Bank of Nigeria (CBN) or your bank can restrict or blacklist a BVN, and that only happens in cases involving serious fraud or court orders.

Any loan app threatening to block your BVN is simply trying to intimidate you. It’s a scare tactic, not a legitimate action

Will this loan apps report me to the Credit Bureau?

In most cases, 90% of loan apps cannot report you to the Credit Bureau. This is because many of them are not licensed financial institutions or they charge exorbitant interest rates that violate government policies.

However, fully licensed and approved microfinance banks can report you to the Credit Bureau. Even when they do, they usually report only the actual amount you borrowed and the original agreed interest — not the inflated charges or penalties. If you notice incorrect information in your credit report, you have the right to contest it with the Credit Bureau and request correction.

About Aella

At Aella, we are dedicated to providing quick and easy access to financial services for our customers. Our mission is to empower people by providing a platform that helps them to achieve financial independence. We believe that everyone deserves access to financial services regardless of their location, credit score, or income. Our mission is to make financial services accessible, affordable, and convenient to all.

Our Vision

Our vision is to become the leading fintech company in emerging markets by providing a wide range of financial services to our customers. We aim to change the financial landscape in Africa by providing access to loans, investments, bill payments, and other financial services that were previously inaccessible. We believe that everyone should have the opportunity to grow their wealth and achieve financial independence.

Our Core Values

At Aella, we are committed to providing excellent customer service, which is why we have a team of dedicated customer service agents available to assist you at all times. Our core values also include being a cooperative partner, offering ease of use, and ensuring that your data and transactions are secure.

Excellent Customer Service

At Aella, we are dedicated to providing excellent customer service. Our team is available 24/7 to assist you with any queries or concerns you may have. We understand that your time is valuable, and we are committed to resolving your issues as quickly as possible.

Cooperative Partner

We believe in working closely with our customers to achieve their financial goals. At Aella, we offer a wide range of financial services, including loans, investments, bill payments, and more. Our goal is to be a cooperative partner in helping you achieve financial independence.

Ease of Use

At Aella, we understand that financial services can be complicated, which is why we have designed our platform to be user-friendly and easy to use. Our app is designed to provide you with quick and easy access to your financial services, so you can manage your finances from the comfort of your home or on the go.

Security

At Aella, we understand the importance of data privacy and security. We use the latest security technologies to protect your data and transactions. We also have a privacy policy in place to ensure that your personal information is protected and kept confidential.

Instant Loans

Aella offers instant loans, so you can get the funds you need when you need them. Our loans range from ₦2,000 to ₦1,500,000, and you can receive the funds in your app in just 5 minutes. With no paper documentation, you can grow your credit score and increase your credit limit by prompt repayments.

Safe and Reliable Online Loan App in Nigeria

Aella is a safe and reliable online loan app in Nigeria. Our platform is designed to provide you with quick and easy access to loans, bill payments, and other financial services. We understand that your time is valuable, which is why we have designed our platform to be user-friendly and easy to use. Our app is also secure, so you can rest assured that your data and transactions are protected.

In conclusion, Aella is a fintech company dedicated to providing quick and easy access to financial services for our customers. Our platform is designed to be user-friendly, secure, and affordable. We believe that everyone deserves access to financial services, and we are committed to making financial services accessible, affordable, and convenient to all.

Reviews

Aella
Everything about Aella is crab they will ask you to link your card so they can disburse loan but after linking your card they will debit you , the loan you will not see it will still say loan pending link your card over and over again . They also made provision for profile update but it doesn't work. What rubbish app. All they know is to debit .
- 2/15/2023
Aella
Experiencing has been great..... Using the app like normal bank savings transaction app... Keep it up AELLA...... Just my current experience so far has not been fair on loan requesting........ But still using the app for other transactions
- 2/9/2023
Aella
This app is so annoying 😡😡 My reacquired form has been filled and accepted, but am trying to log in, they are telling me that the email or password is incorrect, but that same email was the one I used to open it I don't know why are doing like this I should have given them 5 start but due to this issue, they only owe me 1 star because the app is very poor 😡😡
- 2/9/2023
Aella
I love this app but right now it's getting annoying. I made a transfer of 104k and was failed, yet my money is not returned back to my Aella account. I don't know what these people are trying to do with my money
- 2/6/2023
Aella
Wow!! I love this Aella app. I've been trying to have this app since last year. I'm so happy to have it now, even though they offered me just a little amount for now. I really give you 5stars!
- 2/5/2023
Aella
i tried sending money to another bank account,but it didn't work it's just showing me my wallet has been deactivated, I don't understand how,and Aella has no customer care to attend to me, They are frustrating me, I can't send money or do anything anymore,each time I try it shows me wallet deactivated.Aella release my account,my money are in aella app, release my money,Allow me to send money or activate my wallet😭,i wish i can rate this 0 star
- 2/4/2023
Aella
This app was a great one interms of performance before now,but since the last update,the app has become failure,eligibility test running will never finish,when applying for loan,the process stopped at eligibility test running,it wont proceed from there
- 2/1/2023
Aella
The experience has been awesome. However if you default, it will take some time to build your credit back. However, if you keep paying on time, your credit amount and time due for payment will increase. The app functionality is in question now as it is no longer as reliable when performing transactions. I suggest they look into this asap
- 2/1/2023
Aella
The app is really great and is the best among others it was functioning very well before until this last update that messed up the whole things, after I paid the loan i suppose to pay for 3month in full once and have also been a loyal customer eversince i started using the app but you'll have to enter your email and password everytime you open the app even though you set up biometrics the app still misbehaving and the worst part of it is that the check eligibility keep running foreve
- 1/30/2023
Aella
I was asked to link my bank card, I did linked my card and I was debited successfully... but the card still won't link... anytime I go to check my cards it's empty... I've been debited over 3 times.. with visa card and Master card at that..
- 1/29/2023
Aella
Used to be awesome but the latest update has messed up the app. You have to enter your email and password every single time you open the app unless you set up biometrics The worst part is that you're stuck on verification indefinitely when you try to get a loan.
- 1/28/2023
Aella
Use to be quite good and loans obtained within mins until recent update again! Now, one has to enter details every single time just to log in and allow same permissions everytime! Frustrating! Then the checking eligibility process takes forever and then it declines! Please fix! It wasn't broken! Now it is!!!
- 1/26/2023
Aella
If I should rate them, I will give you just one star because I was never granted any loan after given you my details. I tried to get access to your loan several times.
- 1/25/2023
Aella
My experience with the app so far is not palatable,I transferred money to 2 different people in 1 day 14,000,14,780 & 5000 to another for the past 4days.the receiver didn't get it & I have been debited.ever since then I have been sending mails to Aella.they keep on telling me we are working on it.what a bad app
- 1/23/2023
Aella
This app is not good by the experience I have as a person,if is possible to be using your app just for transfer and receiving of money I will be using it but as for loan is nothing to write home about, the much they can offer is just 3k after about 4 times of taking and paying before due date
- 1/22/2023
Aella
Updated!!! "I have to read the terms and conditions, and setup process like location settings each time I open the App,,, before signing into the Portal,, it basically forgets to cache my personal info and just automate my sing in faster" ........ OLDER SUBMISSION Why am I not able to login after updating the app? Everything was fine until I updated!!!! Please help
- 1/21/2023
Aella
The best so far. Easy to access. Prompt response and faster. Aellacredit gives no stress at all. There interest is moderate and loan term is superb. It gives borrower enough time to get the money and pay at due time. They have good approach towards customers. Aellacredit as a financial institution, is not difficult to use. Easily accessible, fast disbursement, registration is made easy. Their app do not delay. It's very fast and it gives a clear explanation when you are not clear of some issues
- 1/19/2023
Aella
I made a transfer to my Aella account since yesterday, they refused to credit the account. I have chatted with their agents yet they did nothing. They shouldn't just ask me for any extra charges on the loan I intended to pay with the money. And the app wasn't like this before. But since the app was upgraded, it has been misbehaving. You'd better fix this ASAP
- 1/19/2023
Aella
Very useless app. they keep taking my airtime just to validate my BVN number yet, I will input the code they send to me and they get mind to tell me incorrect. Stupidity dey worry una. Nonsense
- 1/19/2023
Aella
t's very disappointing that the money in my account disappeared without a trace. And the customer service is horrendous. I've requested my account statement and there was a whole day's record missing along with my money. For now I'm giving this app a 1, only because I can't actually give a zero. Until this issue is rectified I'd advise everyone to be cautious with this app. It's been days now yet there's been no improvement, my money is still missing and they people don't just care
- 1/13/2023
Aella
This app is more of a thief and a fraud than a financial solution. I made two transactions with my card since the 30th of December 2022 and the transactions were unsuccessful, I was later debited twice and till date over 10 days ago no reversal has been made. Their customer service keeps been nonchalant. I have met a legal representative to help me get my money. Aella is a fraud don't fall for their tricks. #saynotothefraudaella
- 1/7/2023
Aella
My love for his app grows by the day. Their speed when you transfer or receive money is awesome. No unnecessary deductions from your account. Plus they give little interest on you savings. Can be used for data, airtime cable subscription etc. 👍 to the developers
- 12/29/2022
Aella
My account suddenly started showing "Account Deactivated". Still, I can add money to my account, but can not withdraw or transfer it. I'm pained.
- 12/28/2022
Aella
This app is one of the best, their loan term is exceptional, they give you up to 1 month to pay back with little interest, not minding if the loan collected is 2000, but the problem I'm having is that for the past 4 to 6 or more I have been with them, they haven't given me higher loan even though I pay back 2weeks before the given date
- 12/27/2022