# Zelia Finance > Lagos-based neo-bank providing credit facilities and loans to underserved Nigerian markets. (iPhone/iPad app by Zelia Services Limited.) - Source: https://appshunter.io/ios/app/zelia-finance/id6469104849 (this page in markdown: same URL + `.md`) - Developer: [Zelia Services Limited](https://appshunter.io/developer/1711560745) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 17+ - Requires: iOS 13.1 · 45 MB - Languages: English - Released: 2024-03-27 - Data updated: 2026-06-10 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/zelia-finance/id6469104849/reviews.md ## What is 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: 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 ## Key features - Access to credit facilities - Loans for tuition, students, and SMEs - Repayment terms from 61 to 365 days - Annual Percentage Rates (APRs) from 2% - 36% - Funds disbursed to Zelia wallet - Streamlined KYC process ## Frequently asked questions about Zelia Finance ### What types of loans does Zelia offer? Zelia offers various loan options including Tuition Advance, Student Personal Loans, and SME Loans. These loans come with repayment terms ranging from 61 to 365 days and APRs between 2% and 36%. ### How long does it take to get a loan from Zelia? Once you apply and your KYC details are submitted, loan approval typically takes between 24 to 72 hours. After approval, funds are disbursed directly to your personal Zelia wallet. ### Is Zelia Finance licensed and regulated? Yes, Zelia Services Limited holds a license from the Lagos State Ministry of Home Affairs as a Money Lender. It is also approved by the FCCPC and possesses the NDPR trust mark, ensuring compliance and security. ### What are the interest rates and fees for Zelia loans? Zelia offers Annual Percentage Rates (APRs) from 2% to 36%. There are no service fees, but late repayment charges are applicable. An example shows a NGN 450,000 loan over 12 months with a 3% monthly interest rate results in a total payable of NGN 612,000. ### What devices does Zelia Finance support? Zelia Finance is available on iPhone and iPod devices. The app was last updated on April 4, 2025, and is currently at version 1.5.4. ### What is the age rating for Zelia Finance? Zelia Finance has an age rating of 17+. This indicates it is suitable for users aged 17 and above. ### Does Zelia Finance have ads? Yes, Zelia Finance contains advertisements. Users may encounter ads while using the application. ### How can I contact Zelia Finance customer support? You can reach Zelia Finance through their website (www.zeliafinance.com), email (contact@zeliafinance.com, info@zeliafinance.com, loans@zeliafinance.com), or by phone at +2349088308010 or +2349088308011. ## Version history (last 5 releases) ### 1.5.4 — 2025-04-04 Bug fixes and minor updates ### 1.3.8 — 2024-12-10 Bug fixes and minor updates ### 1.3.0 — 2024-08-19 Bug fixes and app update ### 1.2.3 — 2024-04-23 Bug fixes and optimizations ### 1.1 — 2024-04-18 Bug fixes and optimizations ## Apps similar to Zelia Finance | App | Rating | Price | Category | | --- | --- | --- | --- | | [Grooming Mobile App](https://appshunter.io/ios/app/grooming-mobile-app/id6452879940) | 3.7 (3) | Free | Finance | | [Ucee](https://appshunter.io/ios/app/ucee/id6476814776) | 4.5 (36) | Free | Finance | | [SavingsBox App](https://appshunter.io/ios/app/savingsbox-app/id6450254549) | 3.7 (3) | Free | Finance | | [Advancly](https://appshunter.io/ios/app/advancly/id1609750373) | 2.7 (6) | Free | Finance | | [CapitalMetriQ](https://appshunter.io/ios/app/capitalmetriq/id1668320231) | 3.4 (14) | Free | Finance | | [SnapCash Business(SnapPurse)](https://appshunter.io/ios/app/snapcash-businesssnappurse/id6504568090) | 3.5 (2) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*