Paylater
Free App
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About Paylater
Paylater® is a simple, entirely online loan platform that provides short-term loans to help cover unexpected expenses or urgent cash needs. You can apply for a Paylater loan 24 hours a day, 7 days a week with our quick loan application process that lets you know your status within minutes.
Currently only available in Nigeria.
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INTRODUCING PAYLATER VERSION 2
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CLEANER, COMPLETELY RE-DESIGNED APP
The app is now even easier to use and navigate through - this ensures that you have more information available at your fingertips, are able to apply for a loan much quicker, and it all just looks better too.
REFERRALS
By very popular demand, we have introduced a referral system! Now you can earn points in the app for telling anyone about our service.
IN-APP CHAT / CUSTOMER SUPPORT
Now you can talk to us regarding any issues, complaints or even praise — anytime and anywhere you feel like, all from the comfort of your app.
EARN POINTS
Actions on Paylater will attract points within the app — positive actions such as on-time repayments increase your points, while negative actions (for example, a late repayment) cause decreases, so please...
LOYALTY BADGES
When you have earned enough points at each level, you’re moved a step up — this is indicated by the badge assigned to you. Your loyalty badge determines how much you can access, your interest rates, and even your loan repayment period.
HIGHER AMOUNTS
Hurray! We have further increased the maximum available amount for Paylater loans to N100,000. This can be reached by consistent on-time repayment of loans, and also by earning enough points to reach the badge level required to unlock it.
REDUCED INTEREST RATES
Depending on your points level, you can now access Paylater loans at reduced interests rates of 4 - 10%*
*fees may apply until you reach Gold level.
LONGER REPAYMENT PERIODS
To help you more conveniently service repayments, we’ve increased loan repayment tenures on amounts over N20,000 to as long as 90 days, so you can take your time and easily settle your loans.
And finally…
INTRODUCING PAYLATER PLUS
Quick loans for salary earners. If you are currently in paid employment, you may be eligible for a Paylater Plus loan of up to N500,000. Supporting documents required.
Currently only available in Nigeria.
----------------------------------------------------------------------------
INTRODUCING PAYLATER VERSION 2
----------------------------------------------------------------------------
CLEANER, COMPLETELY RE-DESIGNED APP
The app is now even easier to use and navigate through - this ensures that you have more information available at your fingertips, are able to apply for a loan much quicker, and it all just looks better too.
REFERRALS
By very popular demand, we have introduced a referral system! Now you can earn points in the app for telling anyone about our service.
IN-APP CHAT / CUSTOMER SUPPORT
Now you can talk to us regarding any issues, complaints or even praise — anytime and anywhere you feel like, all from the comfort of your app.
EARN POINTS
Actions on Paylater will attract points within the app — positive actions such as on-time repayments increase your points, while negative actions (for example, a late repayment) cause decreases, so please...
LOYALTY BADGES
When you have earned enough points at each level, you’re moved a step up — this is indicated by the badge assigned to you. Your loyalty badge determines how much you can access, your interest rates, and even your loan repayment period.
HIGHER AMOUNTS
Hurray! We have further increased the maximum available amount for Paylater loans to N100,000. This can be reached by consistent on-time repayment of loans, and also by earning enough points to reach the badge level required to unlock it.
REDUCED INTEREST RATES
Depending on your points level, you can now access Paylater loans at reduced interests rates of 4 - 10%*
*fees may apply until you reach Gold level.
LONGER REPAYMENT PERIODS
To help you more conveniently service repayments, we’ve increased loan repayment tenures on amounts over N20,000 to as long as 90 days, so you can take your time and easily settle your loans.
And finally…
INTRODUCING PAYLATER PLUS
Quick loans for salary earners. If you are currently in paid employment, you may be eligible for a Paylater Plus loan of up to N500,000. Supporting documents required.
All Application Badges
Free
downl.
downl.
Android
4.1+
4.1+
Bug
buster
buster
Android app
App History & Updates
What's Changed
- Fixes crashes in certain loan application scenarios
- General stability and usability enhancements
- Fixes crashes in certain loan application scenarios
- General stability and usability enhancements
Version update Paylater was updated to version 2.3.2
More downloads Paylater reached 100 000 - 500 000 downloads
What are users saying about Paylater
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by T####:
by T####:
You are the best thing that has ever happen in Nigeria
P
by P####:
by P####:
The is very helpful and a liberator, I will continue to use it and recommend it to friends, thanks
M
by M####:
by M####:
Not being able to upload my documents over hours what do I do pls reply now pls
T
by T####:
by T####:
Paylater to me is more than reliable. Thank God i was able to discover paylater. I'm really grateful.
T
by T####:
by T####:
This is good I love it too fast get within 24h
Q
by Q####:
by Q####:
I apply for loan here but keep on telling me loan pending does that mean am not qualify for the loan?
T
by T####:
by T####:
Great app, love it
T
by T####:
by T####:
It's a nice app
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by T####:
by T####:
Fantastic App, Easy To Use.
Z
by Z####:
by Z####:
Seamless app, works well.
T
by T####:
by T####:
The service is superb and faster.
S
by S####:
by S####:
Exactly what they promised..got my loan in a quick time and without paper work.. Loved it
N
by N####:
by N####:
Got the loan with 5 mins. It works!
T
by T####:
by T####:
What if I don't have ATM so no access.
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by T####:
by T####:
Very beneficial and fastest way to obtain load for your urgent need and SME business....
X
by X####:
by X####:
It's a wonderful App.... Thanks to Paylater
B
by B####:
by B####:
Is very good
H
by H####:
by H####:
The application paylater keep on denying my loan application severally
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by M####:
by M####:
Like everywhere i have been to broadcast and tell of the goodness Paylater brought to individuals. Well, this is a great app, I've noticed no lag... It is the only financial app that is perfect and highly beneficial. I'm here to tell of my experience which continue to put smile on my face! I rely on Paylater like i relied on the money in my Bank. Today, i was totally out of cash and I gave a friend my debit card to withdraw money and run some errands for me. Believe me, i have a kobo balance and visited my secondary bank (Paylater) to transfer (it's no more a loan) funds from there to my primary account which a friend has the debit card and it was successful in less than 5 minutes. How awesome when you have to pay just NGN250.00 on a loan of 10k. Believe me there has never been anything like Paylater, it is unique and will always be. But to smile like me... You have to earn it! You have my five
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by T####:
by T####:
No app can do better, I got an alert within minutes of downloading the app and filling out few pages with my details. So true, so real. I would rate it 7-star if allowed. Thumbs up One Finance.
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by T####:
by T####:
Paylater apps is very much helpful i thank you people for assisting people in their hard time. i gave them95% it work well. because the payment rate is too high. Like if you take10k the cut rate hello 30% that is too high
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by T####:
by T####:
Am so surprised and impressed with the app, I thought it was fake but everything turned out to be real. Good job
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by V####:
by V####:
The simplest N fastest loan appl ever. I got mine less than an hour after completed the application successfully.
T
by T####:
by T####:
Have not been able to get loan because of a mistake in my BVN. Please how do I edit my BVN? Live chat have not been responding.
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by N####:
by N####:
I registered and mistakenly typed a wrong phone number. How can I correct that error as the confirmation code went to the erroneous number.
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by P####:
by P####:
It's a great app I love it. I thought it's all a joke but it work. Great job
Y
by Y####:
by Y####:
Paylater is a great app I would love to recommend to anyone. The prompt response is unparalleled
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by T####:
by T####:
I think it's a great and encouraging platform expecially in this recession and may God bless the owner of this APP it's an expression of love to the world in general.
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by T####:
by T####:
I got my loan approved and after adding my debit card details and got confirmation that the N50 had bn deducted,I keep getting update ur card. I have done it twice supplying the OTP from my bank..I am yet to receive the fund and how do I proceed pls
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by W####:
by W####:
After downloading the app and applying several times, I finally got the loan. It is quite fast and efficient.
O
by O####:
by O####:
Wow, I can't believe I got a soft loan in minutes, all I can say is thank you, and hope to see more of that, Nice Platform
Y
by Y####:
by Y####:
Best loan app ever... You get ur loan within 2min and they even work on weekends. Love it
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by W####:
by W####:
Pls have been trying to get a loan since I heard of the app and download it. But to no avail since I started.
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by G####:
by G####:
Short of words actually..no stress and d money is in your account...nice one guys
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by L####:
by L####:
This app is awesome. Easy usage and genuine app. I recommend you install and run it and be joyful just like myself.
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by Z####:
by Z####:
Am disappointed I can't get a loan from you people I just don't know y
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by J####:
by J####:
i just registered and was told that my request is declined......... without any further explanation. can someone please respond to my request.......
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by T####:
by T####:
I saw your response and I'm editing my earlier response to reply. Please you people suck, I referred 5 people and all of them, loan denied, including myself, since January. All you can see is reviews of it working, it doesn't work for me.
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by R####:
by R####:
Well, its a life saver if u know what I mean
by T####:
Thanks so much. It's really less than 24hrs to get paid. Love it