Get it when you
need it.

Pay when it’s convenient, interest-free.

Carbon Zero is the easiest way to pay for items in small, equal installments. No interests or hidden fees.

Better than your credit card

Owning the things you need shouldn’t be difficult, regardless of the costs. With Carbon Zero, we are offering a more affordable way to shop without paying for everything at once. And at no extra costs.

Shop better

What our customers are loving

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Partnering with the best merchants

We’re leveraging our relationship with some of the biggest and most trusted merchants to provide items of the highest quality.

How it works

Choose your preferred store

See an item you like? Let us know in the application form.

Pick any device of your choice

Select your desired item and provide your personal details.

Get verified

We’ll review your eligibility and pass you for a Carbon Zero plan once qualified.

Set up a plan

Choose a repayment plan within 3 - 6 months and make a downpayment of just 20%

Check your eligibility

Build a healthier financial future

Even when you’ve got the funds now, paying for valuable items in installments at zero interest rates can be a better financial decision in the long run.

Get started

Customers are loving and enjoying Carbon Zero

We're getting some attention

You’ve got a merchant? Refer one to Carbon Zero

Refer a merchant now

Got questions?

What is Carbon Zero?

Carbon Zero is a buy-now-pay-later product that lets you purchase gadgets and electronics and pay in small installments at a 0% interest rate. These include phones, TVs, refrigerators, air conditioners, gaming consoles, and a whole lot more.

Do I have to pay any interest?

Not at all! That’s what makes Carbon Zero different; you only pay the original price and you also get to spread the payment conveniently.

Do I have to pay an initial instalment?

Yes, there is a small part of the total cost to be paid at the point of purchase. The rest is spread over a period of time, usually six months.

Are there any hidden fees?

There are absolutely no hidden charges when you buy any item with Carbon Zero. However, to help smoothen the repayment process, there is a charge on late repayments.

Can I purchase items from any merchant?

For the best experience, we only partner with authentic gadget dealers. This means you can buy from just Carbon Zero-verified merchants. But we’re always adding new merchants to our partner list to give you more options.

What items are available?

There are various gadgets and electronic items available on Carbon Zero, from smartphones to TVs, home theatre sets, refrigerators, air conditioners, laptops, and so on.

How do I apply?

You can apply by sending a mail to with the following information:

- Your Carbon Client ID
- The name and price of the item you want to purchase.
- Attach a copy of your photo ID (International passport or driver’s license)
- Upload your bank statement of account where your salary is domiciled.
  We’ll send you a secure link to upload your statement in less than a minute.

Note: you cannot access Carbon Zero without the required means of identification.

Is Carbon Zero for Carbon Customers only?

Yes, it is accessible to both new and old Carbon customers, meaning you can qualify simply by signing up on Carbon TODAY.

Do I need to be a salary earner?

Yes. For now, Carbon Zero is only open to salary earners with verifiable income.

Can I apply for Carbon Zero if I have an existing loan with Carbon?

Customers with an existing Carbon loan have can get access to Carbon Zero as soon as they complete loan repayments or after liquidation.

Is Carbon Zero available everywhere in Nigeria?

You can find our partners in Lagos at the moment. But be rest assured, we’re announcing more merchants in other locations across Nigeria soon.

Can I sign up as a merchant?

Yes, you can sign up as a merchant. You will go through our vetting process and, once verified, become an authorized Carbon Zero partner.

Do I need a minimum salary to access Carbon Zero?

At the moment, Carbon Zero is only available to customers who earn at least ₦200,000 monthly.

Is there a minimum purchase I can make with Carbon Zero?

Yes. Customers can currently finance items from any of our merchants from as low as ₦100k with Carbon Zero.

How do I become a merchant?

You can apply to become a Carbon Zero merchant by sending an email to with the following information:

-Your business name
-The type of products you sell
-Your business location (we’re partnering with Lagos-based merchants for now)
-Proof that your business is registered in Nigeria

How can I split my payments with Carbon Zero?

Repayment plans vary depending on the price of your item. Items worth below 500k can be split within 3 months, while items above 500k can be split across 6 months.

Check your eligibility