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. SPECIAL FEATURES * 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. SEND MONEY FOR FREE 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. 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. SHOP NOW, PAY OVER TIME Buy items you love and need the most and pay in small, equal installments, at 0% interest. RECEIVE CASHBACK ON LOANS 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. GET A CARD YOU CONTROL 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. SAY GOODBYE TO QUEUES 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. INSTANT REVERSALS No panicking 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 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!