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

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With Specta you can access a personal loan of up to N5Million without collateral in 5 minutes.

Take a Personal Loan


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

Take a Business Loan

Ultra Credit Card

A credit card for all your needs. No more insufficient funds.

Get your Card


Buy Now, Pay Later.Get up to N2M spending limit to make purchases from any of our merchants


Specta Score

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

Check your Score

Specta Prime

Invest your funds at a competitive interest rate and get a loan at a reduced interest rate.

Invest and take a loan


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

Start your Journey

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.

Start your Journey

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.

Let's guide you

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.

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