Individuals access loans up to N5 Million . Businesses grow and scale. Create meaningful business opportunities.

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Are you an Individual?
Do you need a Quick Loan of up to 5 million? Get it in 5 Minutes.

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Check Your SpectaScore

Are you aware of your credit standing ?
Do you know you can forecast your net worth?



In need of Business Loans?
We now have you covered, click here to explore options.

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Are you a First Timer?

Here is what you need to know!

Specta is an online lending platform that gives you loans of up to 5 Million in one transaction all within 5 minutes! No collateral, no paperwork and no visit to any office.

With Specta, you can take care of urgent personal and business needs anywhere, anytime.

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5 Minutes Madness!

Only you can understand!

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Specta Fees

Interest rate on Loan: 25.5%-28.5%* . One off payment for Insurance: 2.5% . One off payment of Management fees: 1% . Repayment Period: 1-12months . Penalty fee- 1% .

Representative Example

Let’s look at Emeka. Emeka gets a loan of N2,000,000.00 from Specta for the duration of 12 months, Emeka’s interest rate will be 25.5% and he will have to pay back N188,400.98, monthly for 12 months. This is exclusive of management fees (1%) and Insurance fees of (2.5%) which are one off fees which he will still have to pay in addition to his monthly payment of N188,400.98. If Emeka defaults in paying back the loan, his default attracts a penal fee of 1% monthly.
* Loan rate may vary based on the risk rating analyzed by the system.

  • Contact Address: Sterling Towers, 20 Marina, Lagos Island, Lagos.

  • Contact Email: specta@sterling.ng

  • Contact Phone: 08170852820 | 08170852815