Paylater app – Get instant loans without Collateral in Nigeria & Ghana

Paylater app – Get instant loans without Collateral —   Paylater is a very simple online lending platform that provides short-term loans to help you take care of urgent cash needs and unexpected expenses. It happens at times that we run into some unplanned expenses that may leave us embarrassed at the end of the day. Paylater is fast, secure, reliable and works 24/7 non-stop.

The paylater app gives you a quick cash of up to 1 million Naira to meet up such needs without any collateral. In this post, I will guide you on how to get started with the Paylater app and how to apply for PayLater loans successfully.

Paylater app image

Do I need to provide collateral, guarantors or application fees to get Paylater loan?

The answer is a big no. No collateral, guarantors or application fees is required to acquire a paylater loan. With just a few clicks of a button, the money will be in your account. All you need is an Android device because, for now, the Paylater app is only available on the Android platform.


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NOTE: Paylater loan services are only available in Nigeria and Ghana for now. Your first Paylater loan application is limited to NGN10000 and if you remain loyal and abide by their terms, you can build your loan to NGN 1million.

PayLater Sign Up: How To Apply for Paylater Loan with Paylater Apply

Paylater sign up is very simple. Within a few seconds, you will be done. follow the steps below to start enjoying the great features of the Paylater app.

1. Download the Paylater app.

2. Register your personal details by filling the short Paylater sign up form.

3. Choose your desired loan amount and duration.

4. Submit your loan application. You will get a loan decision within seconds.

5. If your Paylater loan is approved, your account is credited within 5 minutes.

That was simple. In seconds you will get a loan without collateral.

Paylater Login – Paylater Sign in

Paylater login can be done either via the Paylater web portal or Paylater app. In all cases, you will need to provide your phone number and pin to complete Paylater login.  You can also complete Paylater login using your Facebook account. To sign in to Paylater:

Go to Paylater website – www.paylater.ng

Click on the Login link at the top roght hand side of the home page.

Enter your phone number and pin and click on Submit.

To use Facebook for Paylater login, simply tap on the “Login with Facebook” link to login to your Paylater account.


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What Can I do with Paylater App?

The paylater app is no longer just for loans. With the app, you can now do even more than just borrowing.

  1. Get quick loans of up to NGN 1million within minutes
  2. Recharge airtime to any mobile network
  3. Pay bills for all your favourite services, such as DSTV, LCC, or Nairabet
  4. Send funds to friends and family
  5. Setup automated transactions to occur at a future date of your choosing

How To Repay Paylater loans

The operators of Paylater have made it as easy as possible for you to repay your Paylater loan. On your due date(s), your payment will conveniently be deducted from the account linked to the debit/ATM card provided during your loan application. No hassle.

How to Repay Paylater Loans before Due Date

If you want to make a repayment before your due date, these options are available to you:

1:  Debit Card (Recommended)

  • Click the ‘Make a Repayment’ button in the app under the ‘Your Loans’ menu section in the app. You can also login to Paylater web portal here.

Select ‘Add a New Debit/ATM card’ if you wish to repay using a new card. Your account is immediately updated, once payment is successful.

2:  Quickteller

  • Click ‘Make a Repayment’ in the app, or log in to our website portal here.
  • Select ‘Pay with Quickteller’
  • Enter your card details and confirm the transaction. Your account will automatically be updated within minutes.

3:  Direct Transfer

Account Name: Paylater

Bank: Guaranty Trust Bank (GTB)

Account Number: 0217599035

Note: Include your full name and client ID on the transfer details and notify us immediately you make a repayment. Repayments made via cash transfer are typically updated on our platform within 1 – 2 business days.

Paylater customer care lines – Paylater contact Phone number

Paylater loan services is provided by One Finance & Investments Limited (RC No: 1044655), a licensed Finance company. To contact Paylater for more information and feedback use any of the Paylater customer care lines below.

PAYLATER EMAIL: customer@onefi.co

PAYLATER SOCIAL MEDIA ACCOUNTS: Facebook, Instagram & Twitter

PAYLATER CONTACT PHONE NUMBER: 01–460 9947 & 01–631 1216

For more questions or comments about the Paylater app, Paylater loans and how to go about using Paylater, use the comment box below to reach us and we can assist you from here.

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