---
title: "Aella: Loans, Savings and Bill Payments"
description: "Borrow personal or business loans in Nigeria from ₦2,000–₦1,500,000 with 61–365 day terms, plus save with zero fees, pay bills and transfer."
canonical_url: "https://liners.com/aella"
markdown_url: "https://liners.com/aella.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/aellaapp/screenshot.webp?v=1773249354352"
published_at: "2026-03-12T13:34:54.939Z"
updated_at: "2026-10-06T14:37:32.512Z"
---

# Aella: Loans, Savings and Bill Payments

Borrow personal or business loans in Nigeria from ₦2,000–₦1,500,000 with 61–365 day terms, plus save with zero fees, pay bills and transfer.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Aella](/aella)

## Summary

Save, borrow, pay bills, and manage money in one app

A CBN-licensed digital banking platform for individuals and SMEs in Nigeria to borrow, save, transfer money, pay bills, and manage business payments.

## Product details

| Field | Value |
| --- | --- |
| Website | https://aellaapp.com/ |
| Tagline | Save, borrow, pay bills, and manage money in one app |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Aella is a CBN-licensed digital banking platform for individuals and small businesses in Nigeria that provides loans, savings, payments, and money management in a mobile-first experience.

Key capabilities include:
- **Quick personal and business loans** accessed from the app, including non-collateralized options with amounts from **₦2,000 to ₦1,500,000** and **61 to 365 day** tenors (interest varies by loan).
- **Savings and vault accounts** designed for everyday saving, including **zero maintenance fees** and **high-yield savings** options.
- **Payments and transfers** to support day-to-day money movement, including **bill payments** and **transfers to Nigerian bank accounts**.
- **Business banking tools** such as **payments and collections**, plus **merchant support** and **fintech-as-a-service** offerings.

Available on **Web**, **Android**, and **iOS**.

Target users include underbanked individuals and **SMEs** that need faster access to credit, fee-free savings, and digital payments in Nigeria.

Notable in the Nigerian market context, the service operates as a **microfinance bank** with **NDIC-insured deposits** and Central Bank regulation, and it supports both consumer banking and merchant payment workflows through a single platform.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Bulk Payments](/tags/bulk-payments): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Microfinance Bank](/tags/microfinance-bank): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/aella/alternatives)
- [Reviews](/aella/reviews)
- [Transparency](/aella/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/aella)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)