Carbon Zero is Coming

Getting the things you love has always only needed the right plan, including your favorite premium gadgets. Be the first to know when we’re ready to go.

Buy Now & Pay in Small Equal Instalments at 0%

Say goodbye to abandoned carts or exorbitant loans. Carbon Zero offers the perfect route to owning premium gadgets

Getting a gadget with Carbon Zero

Catch a sneak-peek into how financing your items with Carbon Zero works.

Choose your preferred store

Locate a Carbon verified merchant that sells the product you wish to purchase.

Pick any device of your choice

Select your desired item and provided your personal details for a decision.

Get verified

Payment request is reviewed and the customer’s affordability is assessed.

Set up a plan

You pay 20% of the value of the product and Carbon will balance payment with the merchant while you payback in instalment at 0%

Join the waitlist for Carbon Zero

Commonly asked 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 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.

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

Request early access