Paylater® is a simple, entirely online lending platform that provides short-term loans to help cover unexpected expenses or urgent cash…
Carbon
At Carbon we empower individuals with access to credit, simple payments solutions, high-yield investment opportunities and easy-to-use tools for personal financial management.
CARBON
With Carbon, getting funds has never been easier. Whether you’re a student, business owner, salary earner, or just in between jobs and in need of funds. We can help meet any urgent cash needs you have.
With The Paylater Ladder, we help you build your credit and progressively obtain larger loans with continued usage of our service.

With a robust rewards system that increases your level as you display good borrower patterns — such as repaying loans on time and referring friends to the service — you can quickly rise up the ladder and be trusted for larger loans with longer repayment periods.
You can also chat with our agents directly in the app to help resolve any questions or account issues that may come up. We’re always happy to be of assistance!

GET STARTED
It’s simple! Just follow the steps below to apply for 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 account is credited within 30 minutes.

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