fast loans and banking services by Carbon Finance and Investments Limited

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 life.

SPECIAL FEATURES
* Get loans ranging from 1,500 to 1 million (Nigeria) and 500 to 30,000 Ksh (Kenya)
* Make refunds for a maximum of 64 weeks.
* Interest ranges from 1.75% to 30%, with an equivalent monthly interest rate of 1 to 21%.
* Annual percentage rate (APR) from 23% to 60.8%. No late fees or processing fees.
Example: For a loan of 50,000 over 3 months, Carbon charges 2% per month. With an APR of 24.3%, the total repayment amount after 90 days is 53,000.
Annual percentage rate (APR) from 23% to 60.8%. No late fees or processing fees.
Example: For a loan of 50,000 over 3 months, Carbon charges 2% per month. With an APR of 24.3%, the total repayment amount after 90 days is 53,000.
* Flexible maturities from 1 month to 6 months with the possibility of making early repayments at any time during the term.

SEND FREE MONEY
Transfer funds to any bank at no additional cost, 30 times per month. It’s the highest on the market, and our customers save N 1,500 on transfer fees every month.

SAVE WITH HIGH INTEREST
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 NOW, PAY ON TIME
Buy the items you love and need most and pay in small, equal installments, at 0% interest.

RECEIVE A REFUND ON LOANS
Claim up to N1 million and get funds in your account within minutes. You also get up to 30% cashback on your interest when you pay on time.

GET A CARD YOU CONTROL
The Carbon Visa card is your passport to freedom and security. Spend your way on online and offline channels. Freeze your account wherever you are if you notice irregular behavior. Set spending limits on all channels.

Say goodbye to waiting lines
Apply for a Visa card with just the push of a button on your Carbon app and it will be delivered to your door anywhere in the country.

INSTANT INVERSIONS
Don’t panic with a Carbon bank account. Receive instant reversals whenever transactions don’t complete.

GET IN TOUCH!
Carbon (formerly Paylater) is provided by One Finance & Investments Limited, a financial company licensed and regulated by the CBN. Although we offer a 100% automated service, you can still reach us and find out more about our service through several support channels. We would love to hear from you!

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