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Access a variety of banking services, from high-interest savings to instant short-term loans for your urgent needs. Open a Carbon bank account in minutes and start living a better financial lifestyle.

* Get loans ranging from ₦1,500 to ₦1m(Nigeria) and Ksh 500 to Ksh 30,000 (Kenya)
* Make repayments over a maximum of 64 weeks.
* Interest ranges from 1.75% - 30%, with an equivalent monthly interest rate of 1 - 21%.
* Annual Percentage Rate (APR) from 23% - 60.8%. No late fees or processing costs.
Example: For a 3-month loan of ₦50,000, Carbon charges 2% a month. With an APR of 24.3%, the total repayment amount after 90 days is ₦53,000.
Annual Percentage Rate (APR) from 23% - 60.8%. No late fees or processing costs.
Example: For a 3-month loan of ₦50,000, Carbon charges 2% a month. With an APR of 24.3%, the total repayment amount after 90 days is ₦53,000.
* Flexible tenors from 1 month to 6 months with the ability to make early repayments at any point in the tenor.

Transfer funds to any bank at no extra cost, 30 times a month. It’s the highest around and our customers save N1,500 on transfer charges every month.

Don’t just keep your money in the bank. Create a savings plan and start earning up to 15% interest on your funds when it’s time to withdraw.

Buy items you love and need the most and pay in small, equal installments, at 0% interest.

Apply for up to N1 million and receive funds in your account within minutes. You also get up to 30% cashback on your interest when you pay in time.

The Carbon Visa card is your passport to freedom and security. Spend as you please on both online and offline channels. Freeze your account from anywhere if you notice irregular behavior. Set spending limits across channels.

Request a Visa card with just the tap of a button on your Carbon app and it would be delivered to your doorstep anywhere in the country.

No panicking with a Carbon bank account. Receive instant reversals whenever transactions don’t complete.

Carbon (formerly Paylater) is provided by One Finance & Investments Limited, a CBN-licensed and regulated finance company. While we offer a service that is 100% automated, you can always reach us and learn more about our service via multiple support channels. We’d love to hear from you!

What’s New

Version 3.0.0

We’ve made lots of security improvements, improved the journey to apply for a loan and also fixed some annoying bugs in the app.

What’s new?
- Loan application journey: We’ve gathered feedback from you and refreshed the process to apply for a loan with Carbon.
- Security fixes: We have made changes to make pin resets easier and more secure. And more security improvements
- We’ve removed limits for users who want to add money to their goal investment.
- Several Bug fixes including: Improvements to face/touch ID for payments and authentication, fixing artificial limits on payments to your saved beneficiaries, fields that were obscured by the keyboard and many more.

Ratings and Reviews

4.3 out of 5
3.2K Ratings

3.2K Ratings

kaleemmanuel ,

So disappointed

Downloaded the app, entered my details and they said user already exist, which is to say I have an account already, so I try logging in but unable to, moved to the option of forget password, filled the form, and submitted this message came up “ ——try again another day. Another day came and the same message. Try creating another account and they said user exist. I hate that you advertise without doing a proper review of your mobile app before launch.

Developer Response ,

Hi there, sorry about your experience. Please email customer@getcarbon.co for support and we'll be happy to help.

kasurgi ,

I’m so disappointed in carbon today

This app is best app ever, in loans, fastest payment in bills and transactions but I still don’t understand carbon because last week Tuesday I repay my loan of 28,525 when I borrowed 22,500 to pay in three months but I payed in 4 days and I wanted to borrow money they told me to wait after 1 weeks and some days which ended today. And still yet i always use this app more than my major banks because I trust it. But I want to borrow loan now this morning to pay for my school fees because today is final day to pay for school fees failing can lead to late registration, but they are given me 9,500 to pay back in three months, which they have borrowed me 22,500 before and now I’m expecting higher rate than that because have already left all my banks alone to base on carbon but still yet I messaged them now on via email but they did nothing about that. Even i tried to upgrade my account to level 3 but I face id and even drop my voters card for upgrading to level 3, with all my trials they don’t even upgrade my account saying errors always and it’s unfair.
But if you can do anything to offer me higher loan amount today because I want to pay for my school fees i wil be very glad

B10925 ,

Best Financial app Ever!!!!

Got this app two days ago and let me tell you it’s the best thing that’s happened to me this week like I can’t overemphasize😫 it’s the everything for me from the interface to the speed to the ease of access the notification sound?don’t get me started on the loan option ..... I’m completely obsessed I’m so eager to run transactions on it every time sometimes I just run the app and look at it and smile for no good reason lol I call it “my carbon” because it really is everything I’d want in an app and trust I’ve downloaded a lot like it but none compares keep up the good work 💯 your biggest fan here

App Privacy

The developer, Carbon Finance and Investments Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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