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  • Zelia Finance screenshot 1
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  • Zelia Finance screenshot 3
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About Zelia Finance

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: [email protected] [email protected] Lending Inquiries: [email protected] 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

What’s new

Version 1.5.4 · Updated April 4, 2025

Bug fixes and minor updates

App privacy

The developer, Zelia Services Limited, reported these privacy practices to Apple.

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Contact Info: Email Address, Phone Number, Physical Address, Name
  • User Content: Emails or Text Messages
  • Location: Precise Location
  • Identifiers: User ID, Device ID
  • Sensitive Info: Sensitive Info
  • Financial Info: Payment Info, Credit Info

Used for: Developer’s Advertising or Marketing, Analytics, Product Personalization, App Functionality

Data Not Linked to You

The following data, which may be collected but is not linked to your identity, may be used for the following purposes:

  • Diagnostics: Crash Data

Used for: Analytics, App Functionality

Alternatives to Zelia Finance

Looking for apps like Zelia Finance? Here are 6 similar apps on the App Store. The highest rated is Oxygen X Finance (5.0/5), and all 6 are free to download.

Zelia Finance vs. alternatives
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Zelia Finance 5.0 / 5 (1 rating) Free April 4, 2025
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Ohere Credit 3.4 / 5 (5) Free Oct 2, 2026 Compare
Oxygen X Finance 5.0 / 5 (1) Free Sep 16, 2026 Compare
TrustBanc Prime Pro – Free Sep 27, 2026 Compare
Crust Business – Free Oct 22, 2025 Compare

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