Paylater Mobile App FAQs

Frequently asked questions relating to Paylater Mobile App

How can I review my data that Paylater sends to credit bureaus?
You can order a self-report on your credit history from any of the 3 nationally-registered credit bureaus. You may contact XDS Credit Bureau (www.xdscre...
Tue, 27 Sep, 2016 at 11:04 AM
Who should I contact to submit a comment, question or complaint?
Feel free to reach out to us any time at or find us on Facebook at We will do our best to attend to you ...
Tue, 27 Sep, 2016 at 11:04 AM
Can I access Paylater from any location?
Paylater is available in all 36 states of Nigeria.
Tue, 27 Sep, 2016 at 11:05 AM
Is Paylater a bank? Where are you located?
No, Paylater is not a bank. We do not receive deposits from the general public nor do we offer savings or current accounts. Paylater is a service provid...
Tue, 27 Sep, 2016 at 11:06 AM
I have been a user on Paylater and previously applied on the web platform, but now it is redirecting me to the Google Play Store to download a mobile app. Why?
In order to provide a better mobile experience for you, Paylater is now an app-only service. This means that users of our web platform will need to migr...
Tue, 27 Sep, 2016 at 11:08 AM
I have forgotten my security PIN code. How can I get it back?
If you do not remember your PIN, please exit the app. Restart the app, select 'forgot PIN' and enter the requested personal details in order t...
Tue, 27 Sep, 2016 at 11:08 AM
I’m getting this error when I try to submit my application: “It seems this account already exists”
This usually indicates that you have either: 1) Provided us with user details that have been used in a prior loan application: Kindly check Facebook p...
Tue, 27 Sep, 2016 at 11:09 AM
Can I reschedule my loan repayment date?
Please note that due dates are fixed when your loan is approved. We do not reschedule due dates, so please ensure that you make your repayment on/before...
Tue, 27 Sep, 2016 at 11:10 AM
What is a client ID? How do I find mine?
Your client ID is the unique number Paylater uses to identify you. Think of it as your account number with us. It is displayed in the app, sent via SMS ...
Tue, 27 Sep, 2016 at 11:11 AM
I’ve introduced my friend to Paylater and I want to apply for a loan on his/her behalf. Am I allowed to do this?
3rd party applications are not accepted on Paylater. Please ensure you do not complete an application for someone else or login on your device with anot...
Tue, 27 Sep, 2016 at 11:20 AM