Specta – online loan Nigeria
Specta by Sterling Bank – loans up to ₦5,000,000 in 5 minutes.
Amount
₦10K – ₦5.0M
Interest from
5.00%
Term
1 – 60 months
Approval
5 minutes
⚠️
Specta by Sterling Bank is no longer available as a standalone service. Following Sterling Bank joining Access Bank, the Specta platform has been discontinued and is no longer accessible. We recommend comparing alternative lenders below.
Screenshot of https://specta.ng
Specta – Digital Loans by Sterling Bank Nigeria
Specta is Sterling Bank's digital lending platform offering instant personal loans to Nigerians. Available to Sterling Bank customers and non-customers alike, Specta provides loans up to ₦5,000,000 with 5-minute approval.
✓ Pros
- Very fast 5-minute disbursement
- High limit ₦5M
- No branch visit needed
✗ Cons
- 5% monthly rate
- Available to Sterling customers primarily
Loan example
Loan ₦1,000,000 for 12 months at 5%. Monthly repayment ≈ ₦97,000.
Loan requirements
- ✓ Nigerian citizen
- ✓ BVN
- ✓ Age 18+
- ✓ Valid ID
- ✓ Bank account
Loan features
- 5-minute approval
- Loans up to ₦5M
- Open to non-Sterling customers
- Up to 60 months
Frequently asked questions
5 minutes after submitting your application.
The minimum amount at Specta is ₦10,000.