Unlocking the power of money for all people

Payments. Bills. Instant Loans. Smart Investments. Credit Reports

With Carbon - Payments. Bills. Instant Loans. Smart Investments. Credit Reports

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 with Carbon.

Get a loan from your phone, anytime within minutes

We make access to credit easy. No guarantors, no collateral, no wahala with Carbon. 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.

Invest where your money works as hard as you do

Earn up to 16% per annum when you invest with Payvest. We offer market leading rates so your money works harder for you.

View your credit report anytime, any day

Know your credit history across financial institutions and be notified of issues you may be having. Contact the credit bureaus directly to further understand and resolve any issues.

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.

Apply for Loan on Carbon

Customer support from real people

If you ever need assistance, our friendly Carbon customer service team is happy to help. Contact us via our phone numbers or email.

What customers are saying about Carbon...

Tunde Bamidele

"Great app I love it really help to build a capital for my business. You are doing a great work keep it up. if there is any app i come to love is your app not because of the loan but you have open my eyes to know a lot about banking and credit report keep the good work going hoping to see you taking over from banks since they refuse to enlighten there customers on basic things like credit report and high interest rate and paying bills via there app. good job."

Tolu A O

"...funded my wallet from my Card for *FREE* & transferred funds to a bank acc for just N10. 😮. Ah! I’ve been sleeping on a bicycle with all those txn fees I’ve been incurring while using all those bank apps!"


“Going to uninstall my mobile banking apps….”

Ativie Arthur

“This app is the bomb! Sincerely, I appreciate how you guys have been of assistance to us. It's great having this app”

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