We helpGET STARTED
With Specta you can access a personal loan of up to N5Million
without collateral in 5 minutes.
Boost sales with Specta by signing up to start receiving payments from customers with Specta spending limits. You can also get up to N2M to start or grow your business
Buy Now, Pay Later.Get up to N2M spending limit to make purchases from any of our merchants
Are you aware of your credit rating? Do you know you can forecast your net-worth?
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.
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% .
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.
Join Switch today to gain easy access to multi currency savings, cheaper transfers and the best lending, investment and insurance products in Nigeria.
Stay ahead of the market and enjoy up to 60% returns on your Naira and Dollar investments.
The first-ever app that enables you to securely purchase and manage Treasury Bills, Eurobonds and Equities from your mobile device.
OneBank is a 100% digital banking app. It offers you the ability to register and bank instantly and you can make payments, invest and borrow money, all in the app.
Who is watching your child? With our caregivers your peace of mind is guaranteed.
Simplifying access to affordable and reliable energy.