Maintenance Update On Savings

You can now check your savings balances. We're still working on restoring full withdrawal and accrued interest. If you have matured investments, payouts are already in progress. For early liquidation, please reach out to us.

We are a bank and our superpower is giving you access to credit

Instant loans, Digital Ajo, Savings, and more.

CBN Licensed
NDIC Licensed

Stay in control of your money with a Carbon account

Instant Loans

We make access to loans simple and easy. No guarantors, collaterals or long forms. Apply 24/7 and receive funds in your Carbon account instantly. Unlock higher loan amounts and lower interest rates by repaying loans on time.

Shop now, pay later for pretty much anything

Buy anything, shop anywhere, pay with Carbon Zero. This feature lets you spread the cost of anything into 4 installments at 0% interest. 


Earn up to 20% interest on your savings. That’s on a 12-month fixed Cash vault savings plan with a ₦50,000 minimum deposit to open. (Fixed means the money will be locked away for 12 months while you earn interest on it)


Our debit card #PinkPassport is much more than its good looks. Make online or offline payments with ease, get instant payment notifications, manage card security in app and also enjoy the benefits of spreading payments and earning monthly cashback.

We’re here to help you

You can email us on the app, slide into our DMs. However you choose to reach out, there’ll always be a friendly person there to make your life easy. Get to know our information’s center in case of emergencies.

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

Getting started with the Carbon app

Download the app
Get the Carbon App on Google Play Store for Android or App Store for iOS.
Register within minutes
Tell us a few details about you to help us create your Carbon account quickly.
Start banking
You’re ready to go. Carry out all your banking transactions within the app.

Our happy clients

What they say about us.

I had an awesome experience with carbon, very reliable n trustworthy, infact d instalmental repayment is d tip of d iceberg. I hereby recommend this LOAN APP among apps...CARBON to all prospective borrower, u will never be disappointed.
Gbenga John Osukoya
Venico Industries
The best online loan service hands down. Just ensure to pay your loans on time and you'll get access to better loans and so many other rewards. Very ideal for fast track business owners who need quick access to funds on the go.
Elaine Okafor
Venico Industries
The best payment and fastest loan platform with lower interest rates, very reliable for investment and transact as quick as texting of messages. I recommend you all to join carbon.
Jonah Atsale
Venico Industries
This is best loan App I have come across. 1. Easy and convenient to register. 2. Loan amount is the highest I have seen so far. 3. The requirements are normal and not out of place. No request for statement of account or bills. 4. The customer care service is top notch. 5. Prompt is response to compl...
Adenegan Opeyemi
Venico Industries
If there is anything more than five star I will give to carbon, they are wonderful and unique in every aspect I highly recommend this app for everyone I love you and guys and ur services, this app is just like a mobile Bank its self, kudos to you guys !!!!
Progress Harrison
Venico Industries
If you’re tired of traditional banks, then get Carbon. I use Carbon for nearly all my online transactions for services such as electricity, cable TV, and bank transfers at no cost. Getting a loan is seamless, plus free credit reports.
Venico Industries

Explore Features

Digital ajo
CBN licensed current account
Enjoy 30 free transfers monthly
Spread any payment at 0% interest
Digital ajo
CBN licensed current account

Join over 3 million people who are changing the way they bank