Paylater: Get a quick loan in 30 minutes

Paylater® is a simple, entirely online lending platform that provides short-term loans to help cover unexpected expenses or urgent cash needs.

With just an Android device and basic requirements, you can apply for a Paylater 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.

We currently offer two loan packages:

PAYLATER (loans available to all) & PAYLATER PLUS (loans for salary earners). We’ll discuss both in a bit more detail below, so you can decide which best fits your needs.


With Paylater, getting funds have never been easier. Whether you’re a student, business owner, salary earner, or just in between jobs and in need of funds, Paylater 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.

Build up your credit rating by being an awesome borrower!

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!

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


Are you a salary earner?

Have you been in your current employment for at least a year?

Do you earn a consistent monthly income?

If you’ve answered yes to all these questions, then why waste weeks applying for a traditional loan when you can be approved and receive funds in no time at all?

With Paylater Plus, say goodbye to long and inefficient processes and get a loan of up to NGN500,000 with complete convenience.

Cut out the middleman: Paylater Plus puts the power in your hands, not a sales agent.

Paylater Plus requires additional documents to verify the information provided on your application. If you are asked to provide documents, you may submit by uploading directly in the app, or send an email to with the below documents attached for review.

Our rates are competitive and vary depending on how many points you have earned, with loan repayments spread out over monthly installments.


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

1. Download the Paylater 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.


Paylater 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:



PHONE: 01–460 9945 & 01–631 1215

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