Individuals access loans up to N5 Million . Businesses grow and scale. Create meaningful business opportunities.
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Specta4individuals
With Specta you can access a personal loan of up to N5Million without collateral in 5 minutes.
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
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?
Specta Prime
Invest your funds at a competitive interest rate and get a loan at a reduced interest rate.
MySpecta
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?
Explore
Specta4Business
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.
Only you can understand!
Watch Now!
Specta 5 Minutes Madness!
as part of our efforts to ensure we continue to offer you fantastic service, this site will be undergoing an upgrade from
7:00pm on Saturday, September 28, 2019 to 8:00 am on Monday, September 30, 2019.
We apologize for the inconvenience.
We will miss you while we are away but we will be back to serve you better. Have a Spectacular weekend.
You can reach us on the number below!
01-7004271
Watch this space
Coming soon
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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