How can we help?

Got questions? Need answers? We got you.


CarrotPay is a lending app designed with the intention simplifying the lending process. Everything can be done with little to no stress.

The app is available on Google Store and App Store for download and it is free, all you need to do is to download and you are good to go.

Yes, CarrotPay is a product of CarrotPay limited.


Applying for a loan is a very simple process on CarrotPay. Once you are logged into app, navigate to the Loan section and fill in your personal and employment details for a loan request.

For your first loan request, you can borrow as much as N50,000. Your loan eligibility increases as we get to know you better.

We keep to our words, no documentation, no collaterals. All you need to make a loan request on CarrotPay are just:

  • Your personal details.
  • Your employment details.
  • A functional debit card.

A lending decision is made from your credit score as a borrower. Your credit score is based on the information that you provide to us. The more genuine these information are, the higher your chances of getting a loan.

We’re very sorry for declining your request. It only means we don’t have a loan product that matches your profile at the moment. We want you to check back with us soon.

Yes, the more you repay the higher the loan amount you are eligible for.

You can repay your loan either manually or via the auto-debit service.

The auto-debit service makes loan repayment seamless. The service uses the debit card attached to your active loan to initiate a loan repayment for you. Auto-debit helps you stay true to your words and increase your credit score.

CarrotPay supports MasterCard, Visa, and Verve cards for auto-debit as long as there are sufficient funds in the account, you don’t need to worry.

Sure! You can pay as soon as you can afford to repay, it doesn’t matter if the loan is not due yet.

Yes, you can pay in installments to reduce your total outstanding loan.


Your BVN is strictly for identity verification to help us kick against identity theft and protect your funds and transactions.

Your security is our topmost priority. We warehouse your card details with a PCI-DSS compliant payment processor, Paystack for your security.

The easiest way to reach us is to “Chat Support” under the Settings section of the app. You can also send an email to