This paper explores the role of inclusive finance in achieving carbon neutrality, with a particular emphasis on the impact of lifelong learning in this context. The study covers 16 African countries and examines data from 2000 to 2020. The MMQR estimator is applied for the empirical analysis, while the Driscoll-Kraay estimator was used to test the robustness of the findings. Our empirical results indicate that both inclusive finance and lifelong learning positively contribute to carbon neutrality. Additionally, renewable energy consumption and urban population growth also support the goal of carbon neutrality, while economic growth does not exhibit a similar effect. These findings offer valuable insights for policymakers by highlighting the importance of inclusive finance when integrating it into sustainability strategies. Recommendations include creating policies that increase financial inclusion, encouraging renewable energy investments, and aligning economic development goals with carbon neutrality goals to support sustainable growth in Africa.