Frequently Asked Questions

All you need to know about Specta

About Specta

Specta is an online lending platform that offers loans not more than N5,000,000 to individuals. Our goal is to create a simple, convenient, and personalized experience for our customers. We use proprietary data and analytics to review applications and provide approved applicants with loans.

With Specta, customers do not need collaterals or paperwork to get any loans. Once application is complete, scoring is instant and disbursement done in less than 5 Minutes.

Specta is a platform from Sterling Bank Plc.
A community is the organized group you belong to; this is usually the company you work for.
If you are the HR Manager or a member of top level management in your company, please send an email to specta@sterlingbankng.com

If you are a staff in a company you want enrolled on Specta, please send an email to specta@sterlingbankng.com with the details of your company and we will work on it.

Yes, you must work for an organization to be profiled on Specta for now. This could change soon.
We are glad to have you on Specta. Please send us an email requesting to be profiled as an individual and we share all the information needed to be profiled.
Yes, you must work for an organization to be profiled on Specta for now. This could change soon.
Specta offers loans Personal loans, Household/Asset Acquisition loans and Salary Advance.