Welcome First Timer

Agent Nene
Agent Nene

Welcome to Specta; Nigeria’s fastest lending platform which gives you access to loans up to N5 Million in one transaction and all in 5 minutes. Our goal is to create a simple, convenient and bespoke experience for you using proprietary data and analytics to review applications.

With Specta, you do not need collaterals, guarantors or a visit to any office to get your loan approved and funds disbursed. Once application is complete, scoring is instant, and disbursement done in less than 5 Minutes.

Specta is opened to everyone irrespective of occupation and bank.

Specta has the following packages to serve you:

Specta4Individuals It can be accessed by Salaried and Non-Salaried individuals
  • Salaried Individuals –. You can access a personal loan if your salary account is domiciled in any other Bank or with Sterling Bank. It is opened to all account holders in Nigeria.
  • Non-Salaried Individuals – You can access a personal loan if you are self-employed, a business owner, a professional, a trader etc., with accounts in any other bank or with Sterling Bank.
Specta4Business 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.
PaywithSpecta provides customers with digital credit limits that can be used to purchase items from online stores and in-store at merchant locations. Customers can also access quick cash from their limits
Ultra Credit Card It is a revolving naira denominated card available to everyone which is designed to address your needs for convenience and short-term loans
Specta Score Credit score serves as a determinant for Financial Institutions in evaluating the customer’s risk for credit purposes. This will in turn assist customers in taking effective decisions in managing their financial life
Specta Prime This is a Specta variant, which allows you to get loans that you can back up with your investments. In this module, you can invest your Naira at a competitive rate and get a loan at a very reduced interest rate

To get profiled, select which best describes you:

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Have a STERLING SALARY Account Number?

Dear Customer,

Welcome to Specta; an online lending platform that offers loans of up to N5,000,000 in 5 Minutes to already profiled salaried workers. Our goal is to create a simple, convenient, and personalized experience for you using proprietary data and analytics to review applications.

With Specta, you do not need collaterals, paperwork or a visit to any office to get your loan approved and funds disbursed if you are profiled. Once application is complete, scoring is instant and disbursement done in less than 5 Minutes.

Please click here to download the Salary Domiciliation Agreement. Please execute and email to us.

Email Document or send document to specta@sterling.ng Please note that if your salary account is a savings account, you will be required to open a Corporate Customer Salary Account. Please call 017004271 for assistance.

Upon completion of the above-mentioned step you will be profiled.

Please call us on 017004271 or email us: specta@sterling.ng for further inquiries.

Sincerely,
Agent Nene.

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Want YOUR COMPANY Profiled on Specta?

Dear Manager,

Thank you for your interest in Specta for your company.

Specta is an online lending platform that offers loans of up to N5,000,000 in 5 Minutes to already profiled salaried workers. Our goal is to create a simple, convenient, and personalized experience for you using proprietary data and analytics to review applications.

With Specta, you do not need collaterals, paperwork or a visit to any office to get your loan approved and funds disbursed if you are profiled. Once application is complete, scoring is instant and disbursement done in less than 5 Minutes.

The great news about profiling your company is that you are taking the right step towards becoming an enabler of Instant Access. This allows your staff have access to up to 5 Million Naira in 5 Minutes to take care of pending issues that could be affecting their productivity.

Please provide the following documents:

  • Most recent audited account of the company (Please save document with Company Name Ex. Pany_Plc_Audited_Account.jpg) .
  • Executed authorized signatory mandate, to download click here . (Please save document with Company Name Ex. Pany_Plc_authorized_Signatory.jpg)
Email Documents or send documents to specta@sterling.ng

Once all the documents are received, they will be reviewed by the Evaluation Team and feedback shared shortly.

Sincerely,
Agent Nene.

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Have a SALARY ACCOUNT in other banks?

Dear Customer,

We are glad you are interested in being profiled on Specta!

Specta is an online lending platform that offers loans of up to N5,000,000 in 5 Minutes to already profiled salaried workers. With Specta, you do not need collaterals, paperwork or a visit to any office to get your loan approved and funds disbursed if you are profiled. Once application is complete, scoring is instant, and disbursement done in less than 5 Minutes.

To be profiled as an individual, please be informed that you must open a current Sterling Bank account (preferably corporate salary account) and provide the following documents.

  • Statement of your salary account (with other bank) for the last 6 months
  • Most recent 3 months Pay slip
  • Copy of staff identity card
  • Executed Salary Domiciliation Agreement form (attached).
Upon provision of the above-mentioned documents, your application will be shared with the evaluation team for review. Once approved, you will be profiled on Specta and can access up to 5 Million.

Please note that a month’s salary disbursement into your new Sterling Bank account is mandatory.

Ready to be profiled? Please share all the required documents (listed above) with us at specta@sterling.ng

We look forward to profiling you soon and are on standby to assist with any questions you might have via Email, Telephone or Social Media.

Sincerely,
Agent Nene.

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Work in a FINANCIAL INSTITUTION in Nigeria?

Dear Customer,

We are glad you are interested in being profiled on Specta!

Specta is an online lending platform that offers loans of up to N5,000,000 in 5 Minutes to already profiled salaried workers. With Specta, you do not need collaterals, paperwork or a visit to any office to get your loan approved and funds disbursed if you are profiled. Once application is complete, scoring is instant and disbursement done in less than 5 Minutes.

We understand that you work for a financial institution and as such Salary Domiciliation will not be possible, we therefore have created a solution just for you.

To enable us to profile you, please provide:

  • 6 Months bank statement of your salary account, (Please save document with Company Name and add a number to differentiate Ex. Pany_Plc_Statement_1.jpg) .
  • Copy of staff identity card
  • 3 months recent Payslips (if available), (Please save document with Company Name and add a number to differentiate Ex. Pany_Plc_Payslip_1.jpg) .
Once loan has been disbursed, you will be required to provide the following to have access to your funds.

To commence your Specta Profiling, please provide the first three documents via email.

Email Documents or send documents to specta@sterling.ng. Once the documents are received, they will be reviewed by the Evaluation Team and feedback shared shortly. We look forward to profiling you to enable you enjoy the Specta Experience.

Sincerely,
Agent Nene.

Agent Nene

Sign up for Quick Cash

You can get up to N50,000!

Click Here to sign up!
Sincerely,
Agent Nene.

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 Examples

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.

Sterling Towers, 20 Marina, Lagos island, Lagos

01-7004271

specta@sterling.ng

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