Loan apps are what many Nigerians turn to when they need emergency cash. Aje Homes Loan App is one of the newest loan apps on the market. In this review, we examine the Aje Homes app—what it offers, how it works, and whether it’s legitimate.
We’ll cover everything from loan amounts and interest rates to how to apply and what users are saying.
About the Aje Homes Loan App
Aje Homes is a digital lending app developed by Rubystar Global Limited, a Lagos-based fintech company.
Launched in 2025 with the aim to provide quick personal loans for Nigerians through smartphones. The app is available on the Google Play Store for Android devices. (As of late 2025, there is no official iOS version.)
Aje Homes advertises loan amounts from ₦2,000 up to ₦600,000, with terms ranging roughly from 91 to 180 days.
The app touts a digital, paperless process: no collateral or in-person office visits are required.
The Aje Homes loan app’s main focus is instant cash and personal loans rather than specialized home-improvement loans. All loan application processing is done through the app on Android.
How the Aje Homes Loan App Works
Aje Homes functions like most mobile loan platforms. First, you download the app from Google Play. Then you register using your phone number and set up a profile. During the registration, you are to verify your identity—this usually means linking your Bank Verification Number (BVN) and face verification. After registering and verifying, you fill out a short application with personal and banking details.
Once your profile is complete, you can apply for a loan. The app asks how much you want and for how long (within its limits). If you meet the criteria and the loan is approved, the funds are disbursed to your bank account immediately.
The Aje Homes loan app works like this: download, register, apply, and receive funds.
See Also: Top Loan Apps Without Face Verification in Nigeria 2025
Aje Homes Loan Amount and Tenure
The minimum loan amount for the Ajr Homes loan app is only ₦2,000, and the maximum is ₦600,000. The repayment period (loan tenor) ranges from 91 days (about 3 months) to 180 days (6 months). (All tenors include any possible renewal time.)
Most first-time borrowers start with a small loan amount, and if they repay on time, their credit limit can increase.
Aje Homes Loan Interest Rate and Fees
Aje Homes loan app charges high interest with an Annual Percentage Rate (APR) of up to 35% per year. (This means 2.9% per month.)
That 35% APR is the maximum, and the actual interest rates may vary by user profile and loan size. For example, a ₦10,000 loan for 91 days at 20% APR incurs about ₦498 interest.
In addition to interest, the Aje Homes loan app charges a processing fee of 0.1% to 0.35% of the loan.
In the above example, that fee would be only ₦10–₦35 on a ₦10,000 loan (since 0.1–0.35% of ₦10,000 is ₦10–₦35).
There are no hidden fees beyond these, but you can also keep in mind that they may charge late-payment penalties or rollover fees. The app description does not specify late fees, but one can assume that overdue loans could incur extra charges, as is common with quick loan apps.
Eligibility Requirements
To qualify for an Aje Homes loan, you must meet the following criteria: you must
- Be a Nigerian citizen or resident, age 20–55 years old.
- Have a Bank Verification Number (BVN)
- Have a bank account (for receiving the loan deposit and for repayments).
- Have an Android smartphone and active phone number to install and use the app.
You don’t need collateral, but you will be asked for your employment or income information, but this tends to be used only to set a credit limit. A confirmed source of income or salary may be required to get higher loan amounts.
How to Apply for a Loan on the Aje Homes App
Applying for a loan on Aje Homes is straightforward. The basic steps are:
- Download the Aje Homes app: Go to the Google Play Store on your Android phone and install “Aje Homes.” (Make sure it’s the correct app by Rubystar Global Ltd.)
- Register an account: Open the app and sign up with your mobile number. Create a password and fill in your name, BVN, and other personal details. You may have to verify your number with an SMS code.
- Verify your identity: The app will ask for your BVN (which ties your bank records) and possibly a photo or scan of your ID. Completing these checks usually takes a few minutes.
- Enter banking details: Provide your Nigerian bank account number (often via a quick USSD or bank transfer link) so the app can verify it and later send you funds.
- Choose loan amount and tenure: On the main screen, select how much money you need (within your approved limit) and the repayment term (within 91–180 days). The app will show the interest and fees.
- Submit your application: Tap the “Apply” or “Withdraw” button to request the loan. If everything checks out, the app will process your request.
If approved, the money is disbursed instantly within minutes. (Note: actual time may depend on bank processing.)
Is the Aje Homes Loan App Legit or a Scam?
Aje Homes loan app is a legit new digital lender, with some risks. On the positive side, the app is FCCPC approved with a verified address and contact info. It is active on Google Play and does give out loans to borrowers who apply. These facts show that it is not a fake phishing site.
However, with so many new loan apps, there are some red flags to watch out for, like harassment when you default. Also, it has little user feedback since it’s new; it may have glitches or slow support.
In summary, the verdict is: Aje Homes is a legitimate loan app, not a blatant scam, but its interest rate is high. If you use it, consider it a last-resort emergency option. Always read all terms and be sure you can repay as agreed.
Aje Homes Loan Customer Service
If you need help with Aje Homes, the app provides several contact channels (listed on Google Play):
- Support email: trauy8177@gmail.com (for customer queries)
- Official email: ajeloan@gmail.com (developer contact)
- Phone: +234 810 105 4246 (helpline number)
- Office address: Rubystar Global Ltd, 3 Ikare Close, Orimolade Estate, Ikeja, Lagos.
Always keep records of any communication. For urgent issues (like loan problems), it’s best to email and keep proof. Since Aje Homes is new, response times may be slow.
User Reviews and Ratings
The Aje Homes loan app has been downloaded around 100,000+ times on the Google Play Store, with mixed user feedback. Many users complain about high interest and bad customer service, while some praise the app’s fast approvals and ease of use. Below is the screenshot of users feedback:
The above review shows that it is a high risk app.
Pros:
- Fast and convenient: Instant mobile application and reportedly immediate disbursement once approved. No paperwork or collateral is needed.
- No physical visit: Fully digital—apply 24/7 from anywhere you have network coverage.
- Decent loan limits: Offers up to ₦600,000, which is generous for an app of this type.
- Low processing fee: The one-time fee is only 0.1–0.35%, which is negligible.
- Paperless and quick: Everything is done on your phone in a few minutes.
Cons:
- High interest rate: Up to 35% APR, which is steep (equivalent to about 2–3% per month). Overall cost can be very high if you borrow large amounts.
- Short repayment period: Maximum tenor is 180 days; shorter loans mean payments can be heavy.
- Privacy risks: The app may request access to your contacts, SMS, etc., which could be misused (a common complaint with some loan apps).
- Unknown track record: Being new, it has limited reviews. Potential bugs or service issues are possible until the app matures.
Conclusion
Aje Homes Loan App is a legitimate mobile lending platform in Nigeria. It offers quick loans through this simple process: download, apply, and (if approved) receive cash in minutes.
But interest rates are very high (up to 35% APR), and repayment terms are short. We recommend using Aje Homes only for urgent needs that you can repay swiftly. Always borrow responsibly: only borrow what you truly need and can afford to repay on time. Missing payments can lead to expensive rollovers or collection hassles.
FAQs About Aje Homes Loan App
Is the Aje Homes Loan App legit or fake?
It is a real loan app operated by a registered company (Rubystar Global), and it does give out loans. The app is also approved by the FCCPC, meaning it is a regulated app.
How can I download the Aje Homes Loan App?
You can download it on the Google Play Store for Android. Simply search for “Aje Homes” on your Android phone’s Play Store and install it. (There is currently no official iOS version for iPhones.) Make sure you download the one by “Rubystar Global Ltd” to avoid scams.
What is the interest rate on Aje Homes loans?
The maximum interest rate is 35%. This is the highest rate; actual rates may be lower depending on your loan size and history.
Can I get a loan without BVN on Aje Homes?
No. You must provide your BVN when registering; the app uses your BVN to verify your identity and link to your bank account. If you don’t have a BVN, consider this loan app without BVN.
How long does it take to get a loan from Aje Homes?
If your loan application is approved, the money can arrive within minutes. (Delays usually come from bank processing times, not the app.)
What happens if I don’t repay on time?
Failing to repay a loan on time will incur extra charges and penalties, as is common with most quick-loan apps. This can quickly increase your debt. Late payment can also hurt your credit eligibility (you may not get more loans or may pay higher rates next time).
Is Aje Homes approved by the CBN?
Yes. Aje Homes is listed among the FCCPC-approved digital lenders. Since Aje Homes is on the latest FCCPC-approved app list, it is effectively operating with CBN regulator approval.
