Instant loans whenever you need it

Grow your small business or fix personal emergencies with affordable, collateral-free loans.

Apply from the app 24/7, get funded in minutes

Access up-to Ksh1,000,000

No collateral. No guarantors. No paperwork

Get cashback on interest paid once you repay on time

Getting a loan on the app takes just a few steps

01

Download the app

Download and install the Carbon app from the Google Play Store or App Store

02

Create an account

Get one step closer to getting access to credit by providing us with your personal details. It’s safe and secure.

01

Schedule a call

02

Getting to know you

03

Apply for your desired loan

Go ahead and let us know how much you need. We will review your application and let you know where you stand.

04

Meet the people team

05

Meet the founders

06

Decision

01

Schedule a call

04

Get money in your Carbon
wallet instantly

Once approved, we will disburse the funds in your account almost imediately.

06

Decision

Getting a loan on the app takes just a few steps

01

Download the app

Download and install the Carbon app from the Google Play store or App Store

02

Create an account

Get one step closer to getting access to credit by providing us with your personal details. It’s safe and secure.

03

Apply for your desired loan

Go ahead and let us know how much you need. We will review your application and let you know where you stand.

04

Get money in your Carbon wallet instantly

Once approved, we will disburse the funds in your account almost imediately.

Unlock higher amounts

Our loan process is designed to fit your needs and help you grow. Repay on time and unlock higher loan amounts and lower interest rates

Zero Interest Loans

We reward you for keeping up your end of the deal. You get up to 100% cashback on the interest paid on all your 7 - 30-day loans, once you repay on time.

No hidden fees

We’re invested in making loans affordable for you. Pay only what you owe. No late fees, rollover fees, or processing costs.

I found out about Carbon in 2018, on Twitter or somewhere on social media. It was this app where you could sign up and get instant loans. I tried it and it worked. Subsequently, when I needed a quick loan I knew I could always go to Carbon
Read more user stories

Commonly asked questions

Is there cash back if I pay my loan back on time?

This is a new feature in the Carbon app, where we provide between 10 - 100% cashback on loans that are repaid on time. Cashback is paid out to your wallet once the loan is repaid on time.

How do you calculate the loan offer?

a. Loan Offer is calculated based on the verified data from your information and current risk profile.

b.  The loan amount, duration and interest rate at any time depends on your profile and the information you provided in the application.

Can I have more than one running loan?

You need to have a current loan within a 3- 6 months installment and you must have paid for 2 months on time. Then, the top-up loan offer will be displayed to you in the app, at your current interest rate and loan tenor. However, you can only access a top-up loan once in a loan cycle

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.