Paylater APK

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Paylater® is a simple 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 a quick loan application that lets you know your status within minutes, and credits your account immediately.

It’s fast, secure and reliable. Currently available in Nigeria and Ghana.


With the updated Paylater app, you can perform more financial transactions, conveniently on your mobile device:
- Get quick loans of up to NGN 1million within minutes
- Recharge airtime
- Pay bills for different services
- Send cash to friends and family
- Setup automated transactions to occur at a future date


With Paylater, seamless financial transactions are always just a few clicks away.

- No more waiting times or stressful bank visits. Our service is available 24/7 - you can get a loan and make transactions whenever and wherever you need it, right on your mobile device.
- No collateral, guarantors, or documents required. All you need is an Android device, a data connection, and a bank account.
- You use your money however you want to. Whether you’re a student, salary earner or self-employed, Paylater loans can help you achieve your goals.
- Terms that are clear and easy to understand. We display all loan terms before you apply. What you see is how much you repay. No hidden charges. No processing or late fees.
- Get rewarded for positive actions. By repaying loans on time, performing transactions or referring friends, you can earn rewards on our platform such as better loans and discounts on your own loans.


Paylater is a service provided by fully-licensed and regulated lenders. While we offer a service that is 100% online, you can always reach us and learn more about our service via the following channels:

- Talk to an agent using our world-class in-app live chat
- Like our Facebook page:
- Follow us on Twitter:
- Double tap our pictures on Instagram:
- Read our blog posts:
- Visit our websites: (Nigeria) and (Ghana)

We’d love to hear from you!



Failure to pay off any loans taken trigger a notice to the consumer credit reporting agency which would negatively impact an individual’s credit score. Late payments can also affect your ability to borrow in the future, so please ensure timely repayments of obligations.


A Paylater loan attracts interest rates starting from as low as 2% monthly on the first loan. It is intended to meet urgent, short-term cash needs. Because of this, we have limited the lowest loan amount to NGN7,500 (for first-time applicants, in Nigeria) and loan duration ranging between 60 days and 6 months, so you are not paying excessive interest rates. We also do NOT charge any additional fees - for late repayments or processing costs.

Please do not take a Paylater loan if you intend to service long-term debts.

Keep in mind that depending on the duration of the Paylater loan, the annual percentage rate (APR) on a Paylater loan can vary from 31% to 213%.

Borrow NGN100,000 over 6 months
Interest rate: 60% p.a. (fixed)
Six repayments of NGN 21,666.67
Total amount payable: NGN130,000
Representative: 61% APR

Short-term loans are extremely helpful in emergency cases, but rather expensive if compared with other types of loans and should be used with care and not for a long-term need. You can find more information on our Frequently Asked Questions (FAQs) section on (Nigeria) & (Ghana).

Paylater APK reviews

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Misti B review Misti B
I believe this app at first was the best as reviewed by the ads I saw but it's quite the opposite. After giving out my BVN it asked for my ATM details and still asking for my ATM pin so to deduct N50 after the interest on the loan this is presenting itself clearly to be a complete SCAM...
Kalu Grace review Kalu Grace
At first I doubted the app, they proved me wrong! I got a loan just within about 8 hours I registered and applied for a loan. I got the loan today and I will certainly not fail to pay back just as they did not hesitate to help me. Well done guys!
Am scared
Whats up with d BVN request?i hope dis no scam ? Because for u guys to have my BVN u cld withdraw money from my account anytime? I need a reply on dis ASAP
Olorunfemi Animasahun review Olorunfemi Animasahun
Best app ever. This meets your urgent financial needs. Within seconds you have the money in your account. I can now access 200k plus but you guys need to review your interest rates. They are quite high and can be discouraging. All the same, you deserve a 5 star. Thumps up!
Oladipo Tosin review Oladipo Tosin
Card issue
Weldone to you guyz on this good work you are doing. Please on this issue of ATM card setup for repayment, do you now think this is best for this time . because I can't set up my own card.
Innocent Okoliko review Innocent Okoliko
A very great loan app! After rectifying my BVN issues and reapplying, my account was credited in less than two minutes! Keep it up. I hope bigger loan amounts would be made available with time. Kudos!
My application was declined but no reason was given to that. Paylater is supposed to be giving reasons for declining loan applications.
Ronke Alade review Ronke Alade
I am so disappointed at this app. I have been trying to get a loan since I installed it in Dec, without any luck. I have all the requirements yet each time it says my loan application is unsuccessful. Not impressed at all.
Grace Akinosun review Grace Akinosun
I can't pay bank via the one click payment via the app
It's a satisfactory service when it comes to delivery, but I have been trying to repay loan via the updates app for one week now and it just stuck at *please wait* even after imputing my password. I really hate to go to the bank. Please do something... Plus, it would be nice if you could have customers service support so we could easily put a call through in case of bad service. Please look into this asap. Thanks. Remember, my repayment is still being delayed and I got no time to go to bank.
Kazzy Sopay review Kazzy Sopay
It's a good but I was denied twice so i said let me try it again this morning and I was finally credited but I think the loan is given according to the money you have on your account. Nice app
Oluwatobi Adebola review Oluwatobi Adebola
Fix your app
I applied for a loan which was approved but now I have to set up my card details before loan can be disbursed. But how can I do that when your app is not working. I keep getting 404 error when I click the setup payment button. Fix this ASAP. Or is there an alternative way??
Tobi Oboli review Tobi Oboli
Stupid people. I downloaded and registered this app last year and requested a loan. You told me to check back in few months. And now I did again. And it's still the same. When you know you can't give loan why should you place your advert everywhere. Who ona much be ona loan... Rubbish!!!!
Godwin Alex review Godwin Alex
I cant connect my facebook to my paylater,it keeps showing facebook account not registered and maybe that is why i cant get the loan,any help?
Abel Banda review Abel Banda
Fantastic but at this moment I have tried several times repay the loan but app keep on writing Security violation I don't where the issue is and I even uninstall and install it back but still the same. Help me, above all I love pay later.
George Akpayen review George Akpayen
I am experiencing difficulties access your app. It keeps saying 'Insert a sim' when I already have an active sim in my device. I uninstalled and installed. Same issue persists.