Carbon

Carbon is a digital financial services app for people in Nigeria who want quick access to credit, savings products, and everyday banking features from a mobile phone.

Key capabilities include:

• Instant personal loans with no collateral or guarantors, offering ₦2,500 to ₦1,000,000 with repayment terms of 61 days to 12 months and monthly interest rates of 4.5% to 30% (maximum APR 195%). Loan access and pricing can improve with on-time repayments and app activity.
• Buy Now Pay Later (Carbon Zero) that lets users split purchases into 4 installments at 0% interest, with a 5% one-time processing fee.
• Savings and investment-style plans that advertise earnings up to 20% on a 12-month fixed Cash Vault plan (₦50,000 minimum), plus savings options listed in-app such as and .