---
title: "Carbon: Loans, Savings, Buy Now Pay Later — Fees"
description: "Get instant loans in Nigeria: ₦2,500–₦1,000,000, repay 61 days–12 months at 4.5%–30% monthly. BNPL 4x 0% +5% fee."
canonical_url: "https://liners.com/carbon"
markdown_url: "https://liners.com/carbon.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/getcarbon/screenshot.webp?v=1771636638870"
published_at: "2026-02-21T11:40:36.009Z"
updated_at: "2026-10-05T15:20:08.837Z"
---

# Carbon: Loans, Savings, Buy Now Pay Later — Fees

Get instant loans in Nigeria: ₦2,500–₦1,000,000, repay 61 days–12 months at 4.5%–30% monthly. BNPL 4x 0% +5% fee.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Carbon](/carbon)

## Summary

Instant loans, savings, and pay-later in one app

A Nigerian digital finance app for individuals and businesses to get instant loans, save, use buy now pay later, make transfers, and pay bills.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.getcarbon.co/ |
| Tagline | Instant loans, savings, and pay-later in one app |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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 **Carbon Savings** and **digital ajo**.
- **Spending and payments tools** including a **debit card** with in-app security controls and notifications, **free transfers**, and **bill payments**.

Available on **Web**, **Android** and **iOS**.

It primarily serves **individual Nigerians** seeking loans, savings, transfers, and bill payments, and it also supports **business lending**.

Notable in Nigeria’s fintech market, the service is provided by **Carbon Microfinance Bank (RC 1642222)**, licensed and regulated by the **Central Bank of Nigeria (CBN)**, with **NDIC-insured deposits**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/carbon/alternatives)
- [Reviews](/carbon/reviews)
- [Transparency](/carbon/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/carbon)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)