Mobile Apps

Paylater Mobile App Download: How to Use Paylater App & Collect Loans

This article is focused on Paylater Mobile App, and how to use the app to get short-term loans that will help cover your urgent cash needs as well as expenses.

First off, Paylater is an online platform that enables its users with short-term loans to cover urgent needs.

To make the process of lending easier for registered users, the loan service platform can be accessed via the web and through a dedicated mobile application.

With that being said, the Paylater mobile app has a straightforward setting which enables users to collect loans easily without breaking a sweat. “Based on rankings on, Paylater (now Carbon) takes the lead on the list of the best loan apps in Nigeria.”… With that being said,…

How the Paylater Platform Operates

paylater mobile app

For you to binge on this offer, all you have to do is go to their website On the site, you will be directed to fill a form.

After you have filled the form with your details including the amount you intend to borrow. Read the terms and conditions before you submit.

You’ll receive a confirmation message to whether you are qualified for the loan or not. The message often takes up to 3 working days for loan offer to be approved.

In addition, the minimum amount a person can borrow is N1000 whilst your first loan maximum amount is N10,000 which you are entitled to pay in 30 days with an interest of 1% per day.

This means that, the sooner you pay back the loan, the more chance you stand to acquire bigger loan amounts.

Paylater offer about two types of loans; the Paylater loan & the Paylater plus loan.

You should know that the Paylater loan is available for almost any individual that receives money on monthly basis.

However, the Paylater plus loan is only available to salary earners.

People that are eligible for the Paylater loan can borrow up to N500,000 and can take as much as 3-12 months to repay the loan on a planned monthly installment.

How to Download the Paylater Mobile App on Your Smartphone

To make things to borrow from any device, the app is now available on Android, Blackberry and iOS.

Click on the links below to download the app from your smartphone app store.

AndroidClick Here to download the App on Android.
iOS – Click here to download the app on iOS.
Blackberry – Click here to download the application on Blackberry.

However, if the links above doesn’t work, you can follow the short tutorial I’ve made below;

Go to your phone’s App Store,

Search for Paylater

Click download and wait for it to install

Click open to access the app. Read the terms and conditions and click on Accept and Continue

Now you’ve successfully downloaded the app and it’s ready for use. Read on to know how to use the app.

How to Use the Paylater Application on Android, iOS, and Blackberry.

Follow the step by step guide to sign in and apply for your first loan.

Firstly, open the app, Sign up and fill the application forms with your real details. Don’t leave any information out.

After you’ve signed up, apply for the loan with the exact amount you need. Remember you can’t borrow more than N10,000 for the first trial. Check the loan calculator to know the time you are due to pay back.

Wait for a while, it takes as long as 3 working days for your loan offer to be approved.

Conditions For Loan Application

If it’s you are a first-time applicant, enter all the details about yourself including bank details etc.

As I’ve said earlier, the Paylater plus is eligible only to salary earners which have to be proved by either of these: I.D card, statement of account, employment letter and so on..

Fill in your appropriate details, leaving out any information might lead to your offer getting declined. So ensure that your bank information matches your bank details and I.D.

How to Repay PayLater Loan

The condition for the loan demands you pay at a time set by Paylater.  If you want to repay the loan on or before the due date, select the PAY NOW button and press “Check loan status”


You can wire the loan straight to their account.

  • Account Name: Paylater
  • Bank: Guaranty Trust Bank (GTB)
  • Account Number: 0217599035
  • Attach your full name and client ID on the transfer details.  It will take up to 1-2 working days for your repayment to be accepted.

In conclusion, when you download the Paymobile Mobile App, enter their official site. Read the terms and conditions so that you understand what you are getting yourself into.

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