Paylater-evolved digital bank; instant loans, savings, and NDIC-insured deposits
All plans 3
PlanTypeRate p.a.LockMinEarly exit
FlexSaveFEATURED
flexible
12%nominal, gross
None
₦100
none
Goals
fixed
12%nominal, gross
None
₦100
none
Cash Vault
locked
20%rate may vary if paid upfront
90–365 days
₦50,000
No early withdrawal option
Each tracked plan is tested with its own real-money deposit and ranks separately on the board. Untracked plans show the app's own advertised rate.
Best for
Users wanting credit + savings + banking in one transaparent app
Not great for
savings-first users
Pros
- +CBN-licensed, NDIC-insured deposits, Loan + savings + banking , transparent transaction breakdown.
Loan products 1
Carbon · Personal Loan
personal
₦127,000total repayment · ₦100k / 6 mo
133%effective APRthey quote 4.50%/mo
₦100k→₦127,000· ₦21,167/mo · ₦27,000 interest
Affiliate link · not financial advice · confirm all terms on the lender's app.
Our honest take
Cleanest multi-category showcase-legitimately savings, lending, and banking.