ALAT By Wema: Terrible User Experience, Stressful Onboarding — Borrowers Lament, Regret Usage Of App

Borrowers and customers of the much hyped ALAT by Wema app owned and managed by Wema Bank have been lamenting and regretting their usage of the digital platform.

Wema Bank claims ALAT  by Wema is Nigeria’s first fully digital bank, designed to help customers do more with their money, but it looks like the app isn’t meeting its promises but giving more stress than help.

ALAT By Wema: Terrible User Experience, Stressful Onboarding — Borrowers Lament, Regret Usage Of App
ALAT By Wema: Terrible User Experience, Stressful Onboarding — Borrowers Lament, Regret Usage Of App

ALAT By Wema was designed to help customers and borrowers schedule transfers, save and pay bills automatically, take collateral-free loans, save easily with automated goal saving, get your bank card delivered to you anywhere in Nigeria and save with exciting saving options, but from the reviews and feedback QUICK LOAN ARENA is getting, none of these services or promises is being provided or met.

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Reviews And Feedback From ALAT By Wema Customers And Users

See below the damning reviews and feedback from customers, borrowers and users of the app

Ezeofor Kenechukwu
4 May 2022
Stressful onboarding process. Face detection takes ages. Oh, did I add? After going through the long onboarding process, it didn’t create an account for me. I was later able to sign up eventually. The app has issues. I wasn’t able to see my account details immediately after signing up. I also couldn’t create a dollar card. It worked after I closed the app and reopened much later. I wish the onboarding process would be better and the app improved

Okoye Davidson
10 May 2022
Probably the worst experience so far. Signing up a new account was hectic, had to bypass the document upload to be able to sign up after several failed attempts. After signing up, I uploaded my documents and every detail necessary and still my account still has restrictions. They don’t reply mails and then burn your call card without offering any solution. It’s been more than two weeks now and it’s depressing. I’ve given up at this point.

Chinedu Chioke
6 May 2022
Poor user experience, and I am sure I’m not the only one disappointed with the experience. The app needs to be reworked and redesigned. The color template in the app makes it difficult to see texts correctly. The pink, oxblood texts aren’t clearly visible unless you increase brightness level on the phone. Then there are also too many “error” messages and bugs: dropdowns won’t load; difficulties uploading documents, editing the address fields and so on. Kindly rework the app to make it useable.

Austin se
16 May 2022
The app really needs an early upgrade and customer service needs to be attended to. Signing up is difficult uploading ID is impossible bcos of error messages on every page of the app. I managed to receive otp email after 5 trials in 6 days and no response from customer service mail. Everything shows up as error. The interface is nice but it really needs an upgrade. I’ll give more stars after the update works fine

Judah Ben
3 May 2022
UX is extremely poor. App gives no feedback if what you do is right or wrong. It just doesn’t respond when you don’t do the right stuff. OTP which expires in 5 minutes, takes about 10 minutes to arrive, making it completely useless. For a widely used app like Alat, I expected more. Do better!

Lana Oyekale
14 May 2022
Terrible experience to register!. Since a week that I’ve downloaded the application, I’ve not been able to update my address! Not able to apply for virtual dollar card which was my main reason for registering. Its always ‘Oops! something went wrong’ or ‘the feature will soon be available’. Don’t you offer dollar cards again? So many things to be done to improve this application.

Eby Mabel
16 April 2022
App has been working fine but after the last update, to log into my account na war as there’ll always be a timeout. And when it mistakenly log in, it’ll tell you that you don’t have any account yet. I can’t even delete a savings goal. The network of this app has been so bad and slow and it’s very frustrating cos it’s my favorite bank 😪 The Dark Mode of the app is so terrible. You guys should give us an option to turn off auto-switch to dark mode and not have to do it manually everytime I log in

ubiere peter
12 April 2022
I wish I can give zero stars, cause what the heck????????? I regret updating this app, I would’ve just managed it the way it was with ‘Alat keeps failing’ notification! Since I upgraded, I’ve successfully initiated just one transaction, other times, I’ll try logging in, biometric authentication takes ages, thereafter ‘there was a timeout’. User name and password nkor? Same thing. When it finally logs in, can’t retrieve receiver’s bank name ‘there was a time out’. Your app network is tooooo bad.

Fixity Global
8 October 2020
This latest version really sucks, alot of bugs I can’t even finish mentioning them, infact the previous version is far better, I think something needs to be done as reverting back to the previous version is even better, my new card has been delivered since 2 weeks now but I’m unable to activate because of the bug in the app that doesn’t allow to set new card pin. Suck is the name of this new version.

Damilola Taiwo
22 September 2020
This new update hangs, and depend on network for all, in a country where we don’t have good network services everywhere then, this is a great disadvantages, it’s doesn’t show a whole lot of details like the old version. It also crash immediately there is s little error, possible from memory usage etc. So what happens to people with lower memory phone, the application looks modern and easy to use, but the large memory usage and the network dependancy is a great disadvantage, please let’s go back

Setonji Avoseh
2 June 2019
I think I am getting tired of this app, sometimes I have difficulty in logging not based on my wrong inputs but based on the fact that the app needs to be updated and it never notifies you for the need of an update, now I have updated again yesterday and its not processing the login page. I am fed up with all this. I think the app needs to be worked on properly and a huge improvement in the user experience is highly recommended. Thanks

In need of an instant loan or an emergency cash loan in Nigeria? You can apply through Taka Loan or any of the top loan apps and get funded in under 3 hours, a few more hours or within 24 days. No hidden charges, no collaterals needed with our list of reputable loan apps in Nigeria. One of such reputable emergency loan platforms is Taka loan.

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ALAT By Wema was designed for urgent and emergency cash if you are a Nigerian and live in Nigeria. It is immediately available in any Wema bank branch for customers will just have to go there, apply and be disbursed if you need an emergency cash loan.

 Reputable And Reliable Instant Loan Apps In Nigeria To Borrow Unlike ALAT By Wema

If you need a reputable and reliable instant loan app in Nigeria, you can apply for quick cash loans from other platforms apart from ALAT By Wema app. However if you are a business owner, you can apply for a bigger loan amounts from Lendigo platform. The funds can be used to grow and expand your business.

We should also add that if you are a Nigerian or non Nigerian but resident in United States (USA), you can apply for an emergency cash advance loan even if you have a poor or bad credit rating.

Frequently Asked Questions About ALAT By Wema Platform

What are the benefits of Alat by Wema?

Alat by Wema claims the followiwng benefits

  • No need to visit a bank to open an account.
  • Schedule transfers and bill payments.
  • Save easily with automated goal saving.
  • Free bank card delivery anywhere in Nigeria.
  • Control your bank card from your phone.
  • Works with all Nigerian bank cards.
  • No hidden charges.

Is Alat by Wema same as Wema Bank?

ALAT by Wema was created and managed by Wema Bank and claims it is Nigeria’s first fully digital bank, designed to help customers do more with their money.

How does Wema Alat work?

ALAT offers you easy access to quick loans without paperwork or collateral. Loans are available to all Alat customers via Alat App or the website.

How do I qualify for an Alat loan?

You have to first become a customer of Wema bank before you can be eligible for its loan.

As with everything else on ALAT, you can now apply for a quick loan without collateral or paperwork, no visitation to any physical location, and response time between acceptance of offer and loan disbursement is in minutes. You can now borrow as much as N2,000,000 (Two million naira) without collateral.

Whatsapp: +234 0915 382 1578


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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (, the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

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