Open Your Free Account And Get A Loan in Under 5 Minutes.

No Waitlists!

Whether you’re employed or run your own business, our loans of up to ₦6,000,000 can help you meet your needs conveniently.

Instant Loans

Have Access To Loans From Your Convenience

Apply for a convenient loan to meet needs like growing your small business, renovating your home, buying a new car, paying rent, school fees, medical bills, etc.

  • Flexible loan tenures
  • No hidden fees.
  • No collateral required
  • Competitive rates
Smart Savings

Invest And Watch Your Money Work For You

With as little as NGN5000, you can now access pre-vetted low-medium risk primary and secondary investment opportunities. No hidden fees/charges. Thorough due diligence and pre-vetting on all investments are carried out for maximum safety.

Fast Payments

Enjoy Seamless Payments, At Little Or No Cost

You can send money to anyone, pay all your bills, and recharge airtime, with just a few taps on your smartphone - and always at the lowest possible cost.

How It Works

Get started on
FlexPadi today!

Download the app
Get the Carbon App on Google Play Store for Android or App Store for iOS.
Register within minutes
Tell us a few details about you to help us create your FlexPadi account quickly.
Start Spending
You’re ready to go. Carry out all your banking transactions within the app, from investments to loan applications and bill payments.
What they say

Trusted by over
500k customers

A Digital Bank Made
Just For You

Open a new FlexPadi account from your phone and follow the simple on-screen steps to register for an account in minutes.