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Our Credit Partners

Carbon Zero Buy Now Pay Later


Carbon Zero is the easiest way to split your purchase into

small, interest-free payments, giving you the ability to enjoy the best

life has to offer.


With Carbon Zero, you can split payment for purchases greater than N50,000 up to N1,000,000 and pay over 3 months or 6 months.

With the 3-month plan (Pay in 4), you make a 25% down payment on the day of purchase and pay the rest with no interest over a 3-month period.


With the 6-month plan (Pay in 7), you make a 25% down payment on the day of purchase and pay the rest over 6 months. You do not pay any

interest over the first 3 months, for months 4-6, you pay a 2% interest applied on the outstanding balance every month e.g. Pay in 7 with an

N100,000 purchase, you pay N25,000 down payment and N12,500 for the first 3 months. For months 4-6 interest of N750 is applied every month


Requirements to Pay with Carbon Zero: 


Earn a minimum of N120,000 a month if employed, and N300,000 a month if self-employed

Do not have a bad credit history

Do not have any active or outstanding loans with Carbon.


Customer journey


The section below discusses the steps in using the Carbon Zero Option.


You selects items from your site and heads over to the checkout page

You fill the checkout details and selects Carbon Zero as the checkout option.

Your order will created on the inventory management

system and you will get the order confirmation email (Carbon also

receives a copy of this email.

Then you will be redirected to the Carbon Zero request form,

where you fill in the details, provide the invoice number sent to your

email address by Guddies Planet and where applicable, upload the invoice

Carbon receives the request, processes, and makes a decision on whether you are eligible for a credit  or not.


Octoba Buy Now Pay Later


Carbon Zero is the easiest way to split your purchase into

small, interest-free payments, giving you the ability to enjoy the best

life has to offer.


With Carbon Zero, you can split payment for purchases greater than N50,000 up to N1,000,000 and pay over 3 months or 6 months.

With the 3-month plan (Pay in 4), you make a 25% down payment on the day of purchase and pay the rest with no interest over a 3-month period.


With the 6-month plan (Pay in 7), you make a 25% down payment on the day of purchase and pay the rest over 6 months. You do not pay any

interest over the first 3 months, for months 4-6, you pay a 2% interest applied on the outstanding balance every month e.g. Pay in 7 with an

N100,000 purchase, you pay N25,000 down payment and N12,500 for the first 3 months. For months 4-6 interest of N750 is applied every month


Requirements to Pay with Carbon Zero: 


Earn a minimum of N120,000 a month if employed, and N300,000 a month if self-employed

Do not have a bad credit history

Do not have any active or outstanding loans with Carbon.


Customer journey


The section below discusses the steps in using the Carbon Zero Option.


You selects items from your site and heads over to the checkout page

You fill the checkout details and selects Carbon Zero as the checkout option.

Your order will created on the inventory management

system and you will get the order confirmation email (Carbon also

receives a copy of this email.

Then you will be redirected to the Carbon Zero request form,

where you fill in the details, provide the invoice number sent to your

email address by Guddies Planet and where applicable, upload the invoice

Carbon receives the request, processes, and makes a decision on whether you are eligible for a credit or not.



Credpal Zero Buy Now Pay Later


Carbon Zero is the easiest way to split your purchase into

small, interest-free payments, giving you the ability to enjoy the best

life has to offer.


With Carbon Zero, you can split payment for purchases greater than N50,000 up to N1,000,000 and pay over 3 months or 6 months.

With the 3-month plan (Pay in 4), you make a 25% down payment on the day of purchase and pay the rest with no interest over a 3-month period.


With the 6-month plan (Pay in 7), you make a 25% down payment on the day of purchase and pay the rest over 6 months. You do not pay any

interest over the first 3 months, for months 4-6, you pay a 2% interest applied on the outstanding balance every month e.g. Pay in 7 with an

N100,000 purchase, you pay N25,000 down payment and N12,500 for the first 3 months. For months 4-6 interest of N750 is applied every month


Requirements to Pay with Carbon Zero: 


Earn a minimum of N120,000 a month if employed, and N300,000 a month if self-employed

Do not have a bad credit history

Do not have any active or outstanding loans with Carbon.


Customer journey


The section below discusses the steps in using the Carbon Zero Option.


You selects items from your site and heads over to the checkout page

You fill the checkout details and selects Carbon Zero as the checkout option.

Your order will created on the inventory management

system and you will get the order confirmation email (Carbon also

receives a copy of this email.

Then you will be redirected to the Carbon Zero request form,

where you fill in the details, provide the invoice number sent to your

email address by Guddies Planet and where applicable, upload the invoice

Carbon receives the request, processes, and makes a decision on whether you are eligible for a credit or not.



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