Pay with Zero: Buy now, Pay later at 0% interest.

Carbon Zero is the easiest way to split payments for the things you love

0% interest. 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

Owning your favourite item is straightforward

Share your Carbon Account Number
Don’t have a Carbon account yet?
Download the app to get yours quickly.
Tell us your preferred item, merchant, and the price.
Upload your bank statement (for your salary account)
Give us a few hours to review your application and set you up for your new purchase.

What our customers are loving

Shop now

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 25%

Get started

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

Everyone loves to shop with 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 three months.

Are there any hidden fees?

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 merchants. This means you can buy from 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, inverters, laptops, and so on.

How do I apply?

You can apply by filling the application form with all the required details. Also feel free to search items from any of our merchant’s websites before completing the form.

Is Carbon Zero for Carbon Customers only?

No. It is accessible to both new and existing Carbon customers, meaning you can get access to zero financing by simply opening a Carbon account today.

Do I need to be a salary earner?

Carbon Zero is open to salary earners who have a verifiable source of income.

What is the minimum salary to be eligible for Carbon Zero?

At the moment, Carbon Zero is only available to customers who earn at least ₦120,000 monthly. 

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

Customers with an active Carbon loan are not eligible to apply for Carbon Zero. But can go ahead as soon as they complete the repayment 

How can I split my payments with Carbon Zero?

You can split payments for any product on Carbon Zero over a 3-month period but you can request to extend repayments to 6 months. However, this is subject to terms and conditions.

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
You can also click on this link here to submit your application

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