Specta – online loan Nigeria
Specta by Sterling Bank – loans up to ₦5,000,000 in 5 minutes.
Applying does not commit you to a loan agreement.
Screenshot of https://specta.sterling.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.
How to log in and sign up to Specta
Specta is used through its official app and website (specta.sterling.ng). To sign up, download the official Specta app or open its website, then register with the details requested — usually your phone number and BVN — and complete the short verification. To log in, open Specta and sign in with the phone number or email you registered with. Never share your login code, OTP or PIN with anyone, and only use the official Specta channels.
Specta customer care and contact
For help with your account, repayments or complaints, contact Specta through the support options inside the official app or on specta.sterling.ng. Specta is operated by Specta by Sterling Bank. Be cautious of anyone asking for an upfront "processing", "clearance" or "insurance" fee before disbursement — legitimate lenders deduct any fees from the loan, never before it. You can also compare Specta with other lenders before you decide.