---
title: "Zelia Finance - Reviews, Revenue and Downloads in Nigeria | Apple App Store"
description: "Zelia is a Lagos-Nigeria-based credit-led neo-bank powering convenient access to credit facilities for the underserved Nigerian markets. With Zelia, the young Nigerian will not have to worry about fee"
---

# Zelia Finance — Nigeria

![Zelia Finance App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/59/74/12/597412ed-d637-138e-4d5c-8ad713cad490/AppIcon-1x_U007emarketing-0-10-0-85-220-0.png/434x0w.png)

**Developer:** [Zelia Services](https://apptail.io/developer/zelia-services-YUgg)
**Category:** Finance
**Rating:** 2.7/5 (15 ratings)
**Price:** Free
**Bundle ID:** com.zeliaapp
**Store:** Apple App Store
**Country:** Nigeria
**Version:** 1.5.4 (released 2025-04-04)
**Original Release:** 2024-03-27
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/ng/app/app/id6469104849)
**AppTail Page:** [https://apptail.io/app/zelia-finance-JFHp/nigeria](https://apptail.io/app/zelia-finance-JFHp/nigeria)

## Zelia Finance Description
Zelia is a Lagos-Nigeria-based credit-led neo-bank powering convenient access to credit facilities for the underserved Nigerian markets. With Zelia, the young Nigerian will not have to worry about fee deadlines and the businessman will experience easier access to project financing.


The repayment terms range from 61 days to 365 days with Annual Percentage Rates (APRs) from 2% - 36%. No service fees, late repayment charges are applicable.

Getting a loan is simple:
1. Get the App.
2. Sign up as a new user to create an account and submit the required KYC details (rest assured, we've streamlined the process to minimize form-related hassles).
3. Apply for a loan, selecting from options such as Tuition Advance, Student Personal Loan, or SME Loans. Once approval is granted, typically within 24 to 72 hours, the funds will be disbursed to your personal Zelia wallet. Users can then conduct transactions conveniently from there.


Why choose Zelia Finance?

Zelia Services Limited holds a license from the Lagos State Ministry of Home Affairs as a Money Lender, granted per section 5(2) of the Money Lenders Law of Lagos State.
Approved by FCCPC (Federal Competition and Consumer Protection Commission) to be featured on app stores as a digital money lender (DML).
We possess the NDPR (Nigerian Data Protection Regulation) trust mark.

Choosing Zelia for your borrowing needs guarantees:
Lower interest rates.
Swift response times.
Secure transactions.


Loan Repayment Example:

An entrepreneur borrows a principal amount of NGN 450,000 with a 12-month tenure and a monthly interest rate of 3%.
Details:
Principal: NGN 450,000 
Loan Tenure:12  Months
Monthly Interest Rate: 3%

Repayment Information:
Repayment Cycle: 12
Repayment Cycle Amount: NGN 51,000
Total Payable: NGN 612,000

You can reach out to us through the following channels:

Website: www.zeliafinance.com
Email:
General inquiries: contact@zeliafinance.com info@zeliafinance.com
Lending  Inquiries: loans@zeliafinance.com
Phone:
Customer support: +2349088308010
Alternate contact: +2349088308011

Corporate office:
Plot 1-5, Obagun Avenue, Off Fatai Atere Way, Matori, Mushin, Lagos State, Nigeria

Please stay connected with us on social media: BankwithZelia

## Zelia Finance Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource116/v4/74/e1/9a/74e19abb-fb23-cc7b-50ab-495a8b120948/e6d80468-cb42-4901-9f69-c3fc3baa6142_Artboard_1__U00282_U0029.jpg/1242x2208.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/59/2d/9e/592d9e0b-4cd3-fab2-6d49-bf74e7564c4e/8b784fff-bb8b-4105-8fc0-f651cd5075ee_Artboard_2__U00282_U0029.jpg/1242x2208.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/a0/dd/28/a0dd28d2-e664-90cc-de55-5ee2481e329d/5059dab1-1711-4828-8d32-89446bc33048_Artboard_3__U00282_U0029.jpg/1242x2208.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/f8/d9/fa/f8d9faf0-35a9-2cb9-a5bf-1d62da88859d/c9867ba9-ae13-42a1-a4c9-83cc4166b66a_Artboard_4__U00282_U0029.jpg/1242x2208.png)

## Zelia Finance Rating Breakdown in Nigeria
- 5 stars: 6 (40%)
- 4 stars: 0 (0%)
- 3 stars: 1 (7%)
- 2 stars: 0 (0%)
- 1 stars: 8 (53%)

## Zelia Finance Reviews in Nigeria

### *---- "Even"
Dis app is not working at all, you can’t downloaded the app and registered successfully, rubbish management
-- Sandajen, 2026-07-04

### *---- "Loan is never approved"
It’s been more than 72hrs since I applied and my loan wasn’t approved. Now if you try to delete the account,it tell you that you cannot cos your own them. 
How can you owe money that wasn’t given to you?????
The call line doesn’t go through,emails are never responded too and the lunatic handling WhatsApp would never reply to your messages.
Bunch of sick people honestly.
-- Nessy tega, 2025-08-08

### *---- "Customer Care"
Once you make a mistake filing the form, it’s over, the phone number on app doesn’t work and the customer care on WhatsApp won’t assist you or respond after the first message they write you. Please train your staffs or hire professionals
-- sincerefrank01, 2025-06-02

### *---- "Can’t get past photo verification"
Always says system error, please contact us. Always!
-- Mydee1950, 2025-04-05

### ***-- "Customer care"
How can I reach u I made a mistake filling in my details
-- Favy-6@, 2024-12-23

[View all Zelia Finance reviews and detailed analytics on AppTail](https://apptail.io/account/signup?utm_campaign=ai-crawl&utm_content=reviews)




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## Zelia Finance Available In
- [Nigeria](https://apptail.io/app/zelia-finance-JFHp/nigeria)
- [United States](https://apptail.io/app/zelia-finance-JFHp/united-states)
- [United Kingdom](https://apptail.io/app/zelia-finance-JFHp/united-kingdom)

---

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