With One-fi loan, you will get a short term loan that would perfectly solve your problem. In this well articulated post, you will learn all you need to know about One-fi. Now let’s get started.



I believe you are inquisitive to know if really you are eligible for the One-fi loan. So now the question: who is eligible and what are the requirements for the One-fi loan?

Well, One-fi has different credit products, each having its unique requirements. One-fi has the following:

PayLater: Under Paylater, you can acquire quick loan as far as you have a good credit history. You should also be gainfully engaged with a work. You may also need to provide your BVN (Bank Verification Number) during the application process.

PayLater Plus: As the name goes, Paylater Plus is an advancement of Paylater. It is only available for salary earners. That means you have to have a salary account, employee ID, valid means of identification, BVN and probably other documents. You can borrow between N100, 000 and N1 million on Paylater plus.

Flex Advance: Flex Advance loan is also on for those who have POS terminal. So if you do not have one, you are not eligible for this One-fi loan.

Payroll: The Payroll loan from One-fi is designed to grant healthy financial life to salary earners. Therefore, to get this loan, you must be gainfully employed, having salary accounts and employment letter, employee ID, nationally recognised means of identification. Other documents may be required from you.

How to apply

The application of One-fi loan is done according to the product borrowers want, and they are all done through the company’s Get Carbon mobile app.

The app is available on both iPhone and Android. So you can go to your mobile app store and search for Get Carbon Paylater.

  • When you download the app, sign up to access the application panel.
  • Fill the form diligently with valid and verifiable information.
  • Depending on which product you want, upload your documents and wait for your loan approval.

Interest Rate

The interest rate of One-fi loans ranges from 4% to 10%, depending on the loan product.

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The loan tenor for One-fi loan is between 3 to 6 months. There both offline and online methods of repayment.

From your app, click on “Make a Repayment’. Choose from the list of online payment method which is convenient for you. Follow the instructions duly and make your repayment.

You can make direct bank deposit or transfer to their account:

Account Name: Carbon (Paylater)

Bank: Guaranty Trust Bank (GTB)

Account Number: 0217599035

You are advised to include your full name and client ID on the transfer details. Notify the company through your app immediately you make a repayment.

Also note that repayments made by cash transfer are typically updated on the platform within 1 – 2 business days.

Pros & Cons

  • Flexible repayment options
  • You do not need any paperwork or rigorous application process.
  • One-fi loan tenor is relatively small compared to the amount of money borrowed.
  • Being in debt could be thought disturbing.

Mobile App

One-fi loan is disbursed through their various products. You can download the Carbon Paylater App on Google Playstore

Customer Care

If you have any difficulty or questions about the One-fi loan, you an contact the customer service provider via:  Mail:

Phone: 01 460 9945, 01 631 1215. 

Contact Number01 460 9945, 01 631 1215

Branches & Head Office

One-fi Head Office: Getcarbon, Adeyemo Alakija Street, Victoria Island, Lagos State.

Here are More Banks offering Loans in Nigeria: Agsmeis Loan,Federal Government Loan Scheme For Youth,Fint Loan