Unlocking the power of money for all people

Instant Loans. Payments. Investments.

Get a loan from your phone, anytime within minutes

We make access to credit easy. No guarantors, no collateral, no wahala. You can apply 24/7 and receive funds in your account in as little as 5 minutes. Unlock higher loan amounts and lower interest rates by repaying on time.

Simplified payments, all in one place

Recharge airtime on any network, pay bills for all your favourite services and transfer money, all at the lowest possible cost.

Invest where your money works as hard as you do

Earn up to 15.5% per annum when you invest with Payvest. We offer market leading rates so your money works harder for you.

Track expenses with your personal finance manager

We'll help you better understand your spending habits, and automatically categorize income and expenses so you have full control over your money.

Customer support from real people

If you ever need assistance, our friendly customer service team is happy to help. Contact us via the in-app live chat or email.

What customers are saying...

Adejumo Adedayo

Like seriously, Paylater is the best…I started this year just with 7,500…just today, I got 200,000 for a business. Yet, people say Paylater isn’t real, I bet you, it’s real. Just make sure you pay back at the right time. Then, I tell you, your 1,000,000 is around the corner. Thank you so much Paylater.


These guys have come through for me every single time. Let’s be honest, things are hard in Nigeria, so Paylater providing a solution is one of the best things that happened to my BBQ business.

Ehirim Somadina

“@paylaterNG you guys keep making things easy and easy, wow…The new finance manager is a great one. I was amazed to what my income and expenditure looked like. Thank you paylater, now I can limit my spending.”

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