Get a Loan in 2-3 Minutes from Paylater (Carbon)

How to get a Quick a Loan from Paylater (Carbon). You don’t need to go the bank or to Money lenders again before you can be lent Money as you can now get access to Loan Online and get credited within 2-3 mins straight into your Local Bank Account with Collateral, High Interest and Stress from One Finance commonly known as Paylater(Carbon) Read how it works below.

How does Carbon Works?

Carbon makes it simple to access stunning financial services, at the snap of a catch. It gives You the Opportunity for you to get instant Loans within Minutes, you can also make all your financial transactions, and invest money with high interest returns. Carbon is your trusted digital friend, which is constantly prepared to help you out.

Is Carbon a bank? Where are they located?

Carbon is a service provided by One Finance & Investments Ltd(RC. 1044655), a Finance company licensed and regulated by the Central Bank of Nigeria. They are 100% Online, you can still reach them whenever you need via their customer support channels or any of their social media handle.

How do I apply for a loan?

Before you can be able to access a Loan from this Platform You need to Download their Mobile App via HERE. After downloading the app, sign in or sign up to identify yourself and this will take you to our brief registration/application forms. Complete an application with valid information, then determine how much you would like to borrow. Your loan offer will be available in the app and you can view your expected repayment(s). Submit your application and you will be notified of a loan decision within minutes.


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A Paylater loan attracts interest rates starting from as low as 5% monthly on the first loan. It is intended to meet urgent, short-term cash needs. Because of this, Paylater have limited the available amount to N10,000 (for first-time applicants) and loan duration to 15 or 30 days so you are not paying excessive interest rates.

Please do not take a Paylater loan if you intend to service long-term debts.

How Secured am I using Paylater?

When using Carbon, your data is always secure. The Paylater platform uses a world-class standard security and encryption technology to protect all details. When you provide them with your information, you can also be assured of your privacy – The loan agreements are always kept confidential.
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