Make any purchase in 4 installments

Purchase whatever you want or need from pretty much anywhere, splitting the payment into 4 interest-free installments. Increase your spending flexibility with Carbon Zero today

Shop anywhere, online or in-store

Doesn't matter where you're buying from, Carbon Zero empowers you to make purchases on the web or physically at your favourite stores. So long as you have your Carbon debit card

Bring your wish list to life in 4 interest-free payments

Carbon Zero is perfect for when you don’t have the entire cash upfront. Pay a part of the cost at the point of purchase and then the rest over six weeks

Know how much you can spend, and get your item immediately

We let you know what you've been pre-approved for before you make a purchase. You don't have to wait for weeks or months to get what you are paying for!

Pay for just about anything, interest-free

Whether you’re getting that new dress, a shiny new device, or want to go on a long overdue vacation with you and your loved ones, Carbon Zero gives you the flexibility to pay for diverse products and services at no extra cost

Get the app

Getting started with Carbon Zero

Paying online

1

Log into the Carbon app and select Carbon Zero

2

On the Zero home screen select 'Fund a purchase'

3

Enter product type and price, then choose online as your payment channel

4

Make a 25% initial down payment

5

Enter your card details online just like you do normally, we'll handle the rest

Paying in-store

1

Log into the Carbon app and select Carbon Zero

2

On the Zero home page select 'Fund a purchase'

3

Enter product type and price, then choose POS as your payment channel

4

Make a 25% initial down payment

5

When asked for account type, choose 'Current' and let us take care of the rest

Shop Better. Bank Better

Get a bank account that’s focused on giving you a better financial life — including shopping for items in installment, at 0% interest.

Learn more about Carbon

FAQs

What is Carbon Zero?

Carbon Zero is a buy-now-pay-later product that lets you pay for items and experiences over 4 equal installments at a ‘zero’ interest rate. You can split anything from a phone payment to a vacation package.

Do I have to pay any interest?

You don’t pay any interest! We wouldn’t be Carbon Zero now if we made you do that would we?

Do I have to pay an initial installment?

Yes, you would need to pay 25% of the price of the item upfront. The rest is spread over 6 weeks.

Are there any hidden fees?

We give you full transparency when you Pay with Carbon Zero. You get a view of any costs before you proceed.

How do I pay with zero?

Go to the Zero page on the Carbon app, select ‘Fund a Purchase’, fill in purchase details, select your repayment plan and complete the transaction. After that, pay with your Cabron debit card at the merchant store (either physical or online).

Is Carbon Zero in-app available for existing Carbon customers only

Yes. Carbon Zero is available to Carbon account holders who have carried out a minimum of three transactions worth N5,000 with their Carbon debit card.

What is a pre-approved limit?

Every Carbon user eligible for Cabron Zero is given a pre-approved limit. This amount is how much you can spend using Carbon Zero. The amount is not the same for everyone as it changes based on a variety of factors such as how long you’ve been with Carbon and your payment history while using Carbon Zero.

How do I get a higher pre-approved limit?

You can increase your pre-approved limit by completing purchases over time. This will gradually improve your limit as you continue to finish those plans with a healthy repayment history. A few other things that could help you get a higher pre-approved limit are (i) how active your Carbon account is and (ii) Your savings history with Carbon.

Do I need to be a salary earner?

Nope! Carbon Zero is open to everyone who has a steady, verifiable flow of income in their bank accounts

A digital bank made just for you

Open a new Carbon bank account from your phone or computer and follow the simple on-screen steps to register for an account in minutes.