Loans for people going places

Apply from the app 24/7

Funds in your account within minutes

Access up to ₦1,000,000

No collateral. No guarantors. No paperwork

How it Works

Download the App

Intoduce yourself

Fill out our brief application form with some basic personal information. We will review your application immediately.

Money in your account

Once approved, funds are typically received within 5 minutes.

Repay your loan

Repay your loan on or before the due date to increase your chances of recieving a higher loan amount and lower interest rate for your next loan.

The more we get to know each other, the better your loan offers get

Unlock higher loan amounts and lower interest rates by repaying on time. Link your Paylater account to your primary phone number, and install Paylater on your primary device.

Every loan applicant receives one free credit report

We provide the information you need to make credit work for you. Building your credit history can enable access to even more benefits in the future. Utilize credit to invest in your business, fund your education, or cover today's expenses to invest in tomorrow.

Paylater Payroll Loan

Search for your employer on our preferred employer list to see if you automatically qualify for higher loan amounts and lower interest rates .​

Earn discounts on future loans by referring friends

What customers are saying...

Adejumoke olokoobi

“Saviour in loan form…Paylater, you guys rocks! I rate you over. From 12k5 to 96k just in less than 3 months, you guys are the best! More grease Paylate, I love you guys so much.”

Bonjoru Tonia

“@paylaterNG always on point!!! They have never failed me…Correct app! any day! Anytime!!!”

Dandy Yanda

“One of the reasons the Fintechs are winning is customer service - swift response and trust management @paylaterNG just wowed me.
Your financial plan is faulty if all you do is save, especially with Nigerian banks.”

Get started today!
Download the app

Additional Information

Credit Score Impact

Failure to pay off any loans taken trigger a notice to the consumer credit reporting agency which would negatively impact an individual’s credit score. Late payments can also affect ability to borrow in the future, so please ensure timely repayments of obligations.

Fees And Interest

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, we 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.
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