Instant loans whenever you need it.

We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app.

Our Features

Access personal loans of up to ₦500,000
Enjoy loan top-ups that give you access to more funds to reach your goals even as you service an ongoing loan
Apply for a loan extension for convenient loan repayment
Competitive interest rates

Why Carbon?

Quick and simple 

Request a loan and get it in minutes.

No hidden fees ever

We give you a clear breakdown of your loan. You can bank on our transparency.

Do it all in one app

View your loan offers, history and balance in one place and request new loans easily. 

Unlock higher loan limits

Our loan process is designed to fit your needs and help you grow. Increase your chances of unlocking higher loan amounts and lower interest rates by repaying on time and carrying out other transactions on the app.

Make your dreams a reality

Our loans are made to fit your needs and help you achieve your goals. Select a repayment date that best suits you and change it if you need to.

You’re in control

Apply on the app 24/7 and get funded instantly 
No collateral, no guarantors, no paperwork
Top up your loan when you need more

Getting a loan on the app takes a few steps

Want to know more about our loans?

Loan information

Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control. 

What you need to know about our loans
• Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
• The Max APR is 195% per annum.
• No collateral or guarantor is necessary.
• No hidden fees.
• You unlock higher loan amounts by repaying early and carrying out other transactions on the app.

Representative example
Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000. APR: 54%. 0.03333% per day late fee