Carbon: Mobile Banking & Loans 4+

Save Money|Transfers| Loans

Carbon Finance and Investments Limited

    • Free

iPhone Screenshots


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)
* 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 3.5.4

Bugs and fixes

Ratings and Reviews

4.5 out of 5
14K Ratings

14K Ratings

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

Lmarandola ,

Very speed experience.

I give 5 Stars for the situation. I don’t know if laughs or been angry. I want to tell my beautiful story or experience with Carbon; two weeks ago, I started to use carbon, I fund small change because you need for apply to the card; after 3 days I received the card, after 3 or 4 days the ATM on my first transaction chopped my card; in the main-while, my account has been not working anymore every time I’m trying to log it request for OTP that will never arrive. Since then I sent several mails to the customer care but I received back until now only robot answers. Moral of the tale, no card no app to continue. Very Bad for an online company looking to grow. This is the reason of 5 stars, very speed experience.

emmanuel chidozie john ,


I pay my bill and you guy eat it now you are telling me I did not a lot of your workers will be calling me for the same money any time I talk to them about how I paid I will not see any call from you guy again after some months later your worker will till call me for the same issues off not paying my bill that is every bad I don't like this now you have started posting my details on and on I don't want issues I paid last year after one of you called me and told me about the payment so I ask him how I can pay he give me a information on how to pay so I did because I did not have a big phone then I told him and he said I should go to the bank to pay and he give me the link on how to do so the same day I did so why are you trying to scam me now of it I can't pay two times if you are the one will you give me the same money two times and ask me to pay once please check your information from January to July one of those months last year that when this happened I don't like this and go and real send those bad messages that you put on because it hurt a lot to know

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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Other Data

Data Linked to You

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

  • Financial Info
  • Contact Info
  • Other Data

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

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