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PayLater Loan Ussd Code, App Download, How to Apply

Are you ready to take control of your finances? Look no further than PayLater, your ultimate solution for instant loans, savings, and investments. With PayLater, you can access loans up to ₦1m with just a few taps on your phone, anytime, anywhere.

Why PayLater?

  • Instant Loans: Need cash urgently? With PayLater, you can get loans ranging from ₦1,500 to ₦1m within minutes.
  • High Returns: Say goodbye to low-interest savings accounts! With PayLater, you can earn up to 15.5% on your savings and investments.
  • Convenience: No more waiting in long queues or visiting the bank. PayLater is available 24/7, right at your fingertips.
  • Free Transactions: Enjoy free transfers to any Nigerian bank account, recharge airtime, buy data, and pay bills without any extra charges.
  • Flexibility: Choose repayment tenors ranging from a minimum of 61 days to a maximum of 365 days, with the option to make early repayments.
  • Zero Hidden Charges: Unlike traditional banks, PayLater doesn’t sneak in any hidden fees. What you see is what you get.

How Does It Work?

  • Simple Application: Download the PayLater app from the Google Play Store or Apple App Store.
  • Loan Range: Whether you need a small amount or a substantial sum, PayLater offers loans tailored to your needs.
  • Transparent Rates: Know exactly what you’re getting into with clear interest rates and repayment terms.
  • Rewards: Earn rewards for positive financial behavior, such as timely repayments, regular savings, and referrals.

How to Get Started?

  1. Download: Head to the Google Play Store or Apple App Store and search for “Carbon” (formerly PayLater).
  2. Install: Download and install the app on your Android or iOS device.
  3. Launch: Once installed, open the app and explore its features.
  4. Register: Sign up with your details and start enjoying the benefits of PayLater.

Reach Out to Us

Have questions or need assistance? We’re here to help! Reach out to PayLater via email at for prompt support.


Experience the future of banking with PayLater. Say goodbye to financial constraints and hello to a world of possibilities. Download the app today and take the first step towards financial freedom!

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