Paylater FAQs

Can I access Paylater from any location?
Paylater is available in all 36 states of Nigeria.
Thu, 18 Aug, 2016 at 9:15 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...
Thu, 18 Aug, 2016 at 9:17 AM
What happens if I don't pay back my loan?
We want to keep you as a customer, so please make every attempt to pay us back on time. If you find yourself in a situation that makes it difficult to m...
Thu, 18 Aug, 2016 at 9:19 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...
Thu, 18 Aug, 2016 at 9:19 AM
How do I contact Paylater?
You can reach us via email at or or
Thu, 18 Aug, 2016 at 9:23 AM
My loan status is showing as ‘Pending’ after I have submitted my application. How do I proceed?
You should have received an SMS on the mobile number provided on your registration with a link to validate your account. Please click on that link withi...
Thu, 18 Aug, 2016 at 9:23 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...
Thu, 18 Aug, 2016 at 9:24 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 sent via SMS when your loan is a...
Thu, 18 Aug, 2016 at 9:26 AM
Can I reschedule my loan repayment?
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...
Thu, 18 Aug, 2016 at 9:26 AM