About Carbon

Carbon is a simple, digital finances management platform that provides instant loans (to help cover unexpected expenses or urgent cash needs), payments (of bills for different services, fund transfers, airtime purchases), and investments. You can apply for a loan 24 hours a day, 7 days a week with our quick application process that lets you know your status within minutes.

We’re here to help you when in need, but you should not take out a Carbon loan for long-term borrowing or if you are in serious financial difficulty.

Get an instant loan in minutes

Carbon is a simple, digital finances management platform that provides instant loans (to help cover unexpected expenses or urgent cash needs), payments, and investments.

With just an Android device and basic requirements, you can apply for a Carbon instant loan 24 hours a day, 7 days a week with a quick application process that lets you know your status within minutes.

No collateral, guarantors or application fees required. Just a few clicks of a button.

With Carbon, getting instant loans has never been easier. Whether you’re a student, business owner, salary earner, or just in between jobs and in need of funds, Carbon can help meet any urgent cash needs you have.
As you obtain instant loans on Carbon and consistently repay on time, we help you build your credit by reporting your performance to credit bureaus, hence you can obtain larger loans at lower interest rates with continued usage of our service.
Build up your credit status by being an awesome borrower.
You can also contact the Carbon customer success agents to help you resolve any questions or account issues that may come up. We’re always happy to be of assistance!

Try out any of the app’s several features — you are rewarded for consistent usage

Want a Carbon loan?

 It’s simple! Just follow the steps below to apply for a loan:

1. Download the Carbon app here

2. Register your personal details

3. Choose your desired loan amount and duration

4. Submit your application. You will get a loan decision in seconds.

5. If approved, your Carbon wallet is credited within minutes.

Get real returns with Payvest

Payvest is our fixed-interest investment feature in the Carbon app. With Payvest, single investments can range from ₦50,000 to ₦10 million. You earn a fixed interest of 15.5% per year, and you can choose to invest for 3 months to one year. To setup your Payvest account, simply download the Carbon app if you don’t already have it and choose the “invest money” on the menu. You can learn more about Payvest here.

Contact us

Carbon is a service provided by One Finance & Investments Limited (RC No: 1044655), a licensed Finance company. You may contact us here for more information and feedback:

Email: customer@getcarbon.co

Connect with us on social media: www.facebook.com/Paylater & www.twitter.com/PaylaterNG

Call us: 01–460 9945 & 01–631 1215