Need more funds for an urgent need or business opportunity? Increasing your Aella Credit loan limit is a common goal for many Nigerian users. This guide provides a clear, expert-backed roadmap on how to achieve a higher credit line with one of Nigeria’s leading digital lenders.
We’ll explain the key factors Aella Credit considers, from your repayment history to your transaction patterns. You’ll get actionable, proven methods tailored to the Nigerian financial context to help you unlock larger loans.
Requirements / What You Need
Before you begin the process of seeking a limit increase, ensure you have the following ready. This preparation saves time, especially with unpredictable Nigerian internet or if you’re using a cyber café.
- Your Smartphone with the Aella App: The entire process is managed digitally via the mobile application. Ensure it’s updated to the latest version from the Google Play Store.
- Active Bank Verification Number (BVN): This is non-negotiable. Aella uses your BVN to access your credit history from the Credit Bureau of Nigeria.
- Valid Government-Issued ID: Your National ID (NIN slip or card), International Passport, or Driver’s License. Voter’s Card is typically not accepted for this financial verification.
- Access to Your Transaction Alerts: Aella often analyzes your bank SMS alerts for income assessment. Ensure your primary bank account is linked and you can access these messages.
- No Upfront Fees: A legitimate loan limit review by Aella Credit has no application fee. Be wary of anyone asking for ₦500 or ₦1,000 to “facilitate” an increase; this is a scam.
Step-by-Step Process
Step 1: Log In and Navigate to Your Loan Dashboard
Open your Aella Credit app and log in securely. Go to your main dashboard and look for the section labeled “My Loan” or “Loan Limit.” This is where your current eligible amount is displayed. If the app is slow—a common issue with network congestion on MTN or Glo—be patient and avoid clicking multiple times to prevent errors.
Step 2: Initiate the Limit Review Request
If you are eligible for a review, you will typically see a prompt or button like “Increase Limit” or “Check for Higher Amount.” Tap on it. The system will then begin an automated reassessment. Do not be alarmed if this takes a few minutes; the app is pulling fresh data from your linked accounts and the credit bureau.
Step 3: Authorize Additional Data Access (If Prompted)
To give you a higher limit, Aella may request permission to analyze more recent financial data. You might get a prompt to re-confirm your BVN or to grant access to newer bank transaction alerts. Read any permissions carefully before accepting. This step is crucial for their risk assessment.
Step 4: Review the New Offer and Terms
If approved, the app will display your new, increased loan limit alongside the updated terms. This includes the new principal amount, interest rate, and tenure. Scrutinize these details thoroughly. A higher limit sometimes comes with a different repayment schedule. Do not proceed if the terms are unclear.
Step 5: Accept the New Limit and Finalize
Once you agree to the new terms, tap the accept or confirm button. You will usually receive an SMS and an in-app notification confirming the successful limit increase. The new limit is now active for your next loan request. Note that this does not automatically disburse a loan; it simply raises your borrowing ceiling.
Alternative Methods
While the primary method is via the app, some users, especially those facing technical issues, may explore other avenues. It’s important to understand the official channels to avoid scams.
1. Customer Support via Official Channels: If you encounter persistent app errors or believe your credit profile isn’t reflecting accurately, contact Aella’s support directly. Use only the official email (support@aellacredit.com) or the in-app chat function. This is better for resolving technical glitches or disputing information that may be affecting your limit, rather than requesting an increase directly.
2. On-Site Engagement at Partner Locations: Aella Credit has partnerships with various organizations, including companies and schools like the University of Lagos (UNILAG) or Lagos State University (LASU). If your workplace or institution is a partner, you might find Aella agents on-site during specific periods. They can guide you through the app process but cannot manually override your limit—the final decision remains automated.
Common Problems and Solutions
Problem: “App Not Working” or “Limit Increase Button Not Showing”
This is often due to poor network, an outdated app version, or Aella’s server being down—common during peak periods like month-ends in Lagos. You may see a spinning icon or an error message.
Solution: First, check your internet connection; try switching from Wi-Fi to mobile data (or vice versa). Go to your phone’s Play Store, search for “Aella Credit,” and see if an “Update” button is available. If the problem persists, wait a few hours and try again, as it’s likely a system-side issue they are fixing.
Problem: “BVN Already Linked to Another Phone Number”
This error occurs if you previously registered with a different number, a common issue for Nigerians who change SIM cards frequently. The system blocks the new registration because your BVN is tied to your old number.
Solution: You cannot fix this yourself in the app. You must immediately contact Aella support via the official email with proof of your identity (NIN, ID card) and your active phone number. They will need to manually update your record, which can take 24-48 hours.
Problem: Loan Limit Stays the Same After Consistent Repayment
You’ve repaid 3-5 loans perfectly, but your limit remains stagnant. This is frustrating and often due to the algorithm not detecting increased income or other negative marks on your credit report you’re unaware of.
Solution: First, request a free credit report from the Credit Bureau of Nigeria. Check for errors. Secondly, ensure your primary bank account (where your salary or business income comes in) is the one linked to Aella. Consistent high-value transactions in a linked account give the system better data to justify an increase.
Fees, Costs and Timeline
Understanding the costs involved is crucial to avoid scams. The official process for a loan limit review by Aella Credit has no direct fee. You are not charged ₦500, ₦1,000, or any amount simply to apply for or receive a higher limit. The only costs are the standard interest and any applicable processing fee on a loan you eventually take.
Be extremely wary of individuals—online or at cyber cafés—who claim they can “fast-track” your increase for a fee. This is a scam. The timeline for an automated review is instant to 24 hours after you initiate it in the app. If your limit is increased, it reflects immediately. For issues requiring customer support (like BVN problems), resolution can take 2 to 5 working days, depending on the complexity and their support queue.
Warnings and Scams to Avoid
- Agents or “Gurus” Promising Guaranteed Increases: No third-party agent in Lagos, Abuja, or on social media has the power to manually increase your Aella limit. Anyone asking for a fee (e.g., ₦2,000 to “upgrade your account”) is scamming you. The process is fully automated within the app.
- Fake Customer Support Numbers and WhatsApp Groups: Scammers create fake flyers and posts with unofficial phone numbers or WhatsApp links. Only use contact details from the official Aella Credit website or app. Legitimate support will never ask for your transaction PIN or OTP.
- “Upfront Processing Fee” Scams: A common trick is a message stating, “Your limit increase is approved, pay ₦1,500 processing fee to receive it.” This is entirely fake. Aella deducts any legitimate fees directly from the loan disbursement, never via personal transfers to an individual account.
Acceptance, Use and Next Steps
Once your loan limit is successfully increased, the new, higher amount becomes your maximum borrowing ceiling within the Aella Credit app. This limit is accepted for any loan you apply for through their platform, usable for various needs across Nigeria—from emergency bills in Port Harcourt to business inventory in Onitsha Market or school fees in Ibadan.
Your immediate next step should be to review your financial need carefully. A higher limit is an opportunity, not an obligation. Borrow only what you genuinely need and can repay comfortably. Before drawing the loan, double-check the final terms, including the interest rate and repayment schedule, as these may differ from your previous loans.
Remember, this increased limit is not a permanent guarantee. It is subject to periodic review by Aella’s system. Consistent late repayments or a downgrade in your credit score with the Credit Bureau of Nigeria can lead to a reduction. Use the facility responsibly to maintain and potentially further improve your credit access.
Frequently Asked Questions
How often can I request a loan limit increase on Aella?
There is no fixed timetable, but Aella typically conducts automatic reviews periodically, often after you have successfully repaid 2-3 loans. You can also manually check for an increase in the app, but frequent requests without a change in your financial profile (like higher income or better credit score) are unlikely to yield a different result.
Will increasing my limit affect my interest rate?
It might. Aella’s algorithm sets rates based on risk. A higher limit could come with the same, a slightly lower, or sometimes a higher interest rate depending on your overall creditworthiness. Always review the new terms carefully before accepting any increased offer displayed in the app.
Why was my limit decreased instead of increased?
This usually happens if you missed repayments on other loans (from any bank, not just Aella) reported to the Credit Bureau of Nigeria, or if your linked bank account shows consistently lower balances. A negative credit report is the most common cause for a limit reduction in Nigeria.
Can I increase my limit without a salary account?
Yes. While a consistent salary helps, Aella also analyzes transaction patterns in any linked current or savings account. If you run a business and have frequent, sizable inflows into your GTB, Zenith, or Opay account, linking that can strongly support your case for a higher limit.
My limit increase failed due to “technical error,” what should I do?
First, ensure your app is updated and you have a stable internet connection. If the error persists for 24 hours, take a screenshot and contact Aella’s official support via the in-app chat or email. Do not seek help from random “tech guys” on social media, as this is a common scam vector.
Does Aella check my credit bureau report for a limit increase?
Absolutely. Every review involves a soft or hard inquiry with the Credit Bureau of Nigeria using your BVN. This is a central part of their risk assessment. You can monitor your own report for free annually to ensure there are no errors holding you back.
Disclaimer
This article is for informational purposes only and is based on publicly available information and standard Nigerian digital lending practices. It is not financial advice. Loan terms, eligibility, and Aella Credit’s internal processes are subject to change. Users should always review the most current terms directly within the official Aella Credit application and make borrowing decisions based on their personal financial circumstances.