Personal Loans

Loans for people going places

Apply from the app 24/7

Funds in your wallet within minutes

Access up to ₦1,000,000

No collateral. No guarantors. No paperwork

Loan Offers on Carbon

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.

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

Money in your wallet

Once approved, funds are typically received in your carbon wallet 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.

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

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 Carbon account to your primary phone number, and install Carbon 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.

Carbon 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 .​

Refer a Friend

Finance is better with friends. Share the app with your network and earn benefits such as discounts on your loans and cheaper transactions​

Carbon refer a friend

What customers are saying...

A Google user

“The best loan app so far that gives large amount without hassles. The higher the loan amount, the lower your interest paid….KEEP THE FLAG FLYING!”

Okiemute Igben

“Fantastic. I never believed until I gave it trial. I will try my best to pay on time so that I can graduate to a higher loan. This is 100% preferable / more flexible to our conventional Banks.”

Idowu Emmanuel

“the app is very easy to use, loans dispatched fast and easy”

Ibrahim Shittu

“best loan app ever,,,at first I thought their interest is too much but now not sure that cos have never experience such low interest with other loan app....”


“…..I was shocked the entire process took less than 20mins and I got the emergency sorted out almost instantly, my wife was even shocked. We really have geniuses in this #Naija”

Additional Information


When you download Carbon, we will ask for your permission to scan your financial SMS data and other information in order to verify your identity, creditworthiness, and provide you with the fastest loan in Nigeria. We also use this to help you better understand and improve your finances with our personal finance manager. We take privacy seriously - all data you choose to share with us is encrypted and your personal information will never be shared without your consent.

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 your ability to borrow in the future, so please ensure timely repayments of obligations.

Fees And Interest

A Carbon 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. Loans range from ₦1,500 to ₦1m with terms from 4 - 64 weeks. Interest ranges from 2% - 30%, with an equivalent monthly interest rate of 1 - 21%. We also do NOT charge any additional fees - for late repayments or processing costs.
Please do not take a Carbon loan if you intend to service long-term debts. Short-term loans are extremely helpful in emergency cases, but rather expensive if compared with other types of loans and should be used with care. You can find more information on our Frequently Asked Questions (FAQs) section on

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