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If you’re looking out for a Quick Way to Borrow Money and Pay Later, Then Paylater® is a quick and easy way to get short-term loans that can help you pay for unexpected costs or meet other urgent cash needs.

With just an Android device and some basic requirements, you can apply for a Paylater loan 24 hours a day, 7 days a week. The application process is quick, and you’ll know your status within minutes.

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There is no need for collateral, a guarantor, or an application fee. It only takes a few clicks.
We have two loan packages right now:

PAYLATER (loans available to all) & PAYLATER PLUS (loans for salary earners). We’ll talk about both of them in more depth below, so you can decide which one is best for you.


There is no longer a PayLater Plus package. Our V3 release notes, which you can find here, talk about these changes.
The Paylater app now lets you transfer money, pay bills, and top up your phone’s airtime. Click here to find out more.


pay later loan plus


With Paylater, getting funds have never been easier. Paylater can help you get the cash you need quickly, whether you’re a student, a business owner, a salary worker, or just between jobs.

With The Paylater Ladder, we help you build your credit and get larger loans as you use our service more and more.

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Be a great borrower and your credit score will go up.
With a strong rewards system that raises your level when you do good things as a borrower, like paying back loans on time and telling your friends about the service, you can quickly move up the ladder and get bigger loans with longer repayment periods.

You can also talk to our agents right in the app if you have any questions or problems with your account. We’re always glad to be able to help!

Try out any of the app’s features—you’ll get something for using it often.


Are you a salary earner?

Have you worked where you are now for at least a year?

Do you make the same amount of money every month?

If you answered yes to all of these questions, why waste weeks applying for a traditional loan when you can be approved and get the money in no time?

With Paylater Plus, you can say goodbye to long, inefficient processes and easily get a loan of up to NGN500,000.

Cut out the middleman: Paylater Plus puts the power in your hands, not in the hands of a sales agent.

Paylater Plus needs more proof of the information you put on your application in order to approve it. If you are asked to provide documents, you can either upload them directly in the app or send an email to [email protected] with the following documents attached for review.

Our rates are competitive, and they change based on how many points you have. You can pay back your loan in monthly installments.


It’s easy! To get a Paylater loan, you just need to do the following:

1. Here’s where you can get the Paylater app

2. Register your personal details

3. Choose the amount and length of the loan you want.

4. Submit your application. You will know right away if you can get a loan.

If you’re approved, the money will be added to your account within 5 minutes.


One Finance & Investments Limited (RC No: 1044655), a licensed finance company, runs Paylater as a service. Here is where you can get in touch with us for more information and feedback:

EMAIL: [email protected]

Facebook, Instagram, and Twitter are all social media.

PHONE: 01–460 9947 & 01–631 1216

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