Personal Loans

Quick Loans for personal use

Life comes with different situations where unexpected or needed expenses may arise and exceed your income and savings.

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Wedding Finance

Manage overwhelming Cost

The coming together of two families and the celebration of love is an event of joy for all at least until the cost becomes overwhelming.

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Medical Finance

Pay for medical expenses

Medical financing is created to provide you with an easy and convenient way to pay for medical expenses.

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Holiday Finance

Holidays can be more exciting

Everyone needs a holiday, whether calendar induced or not, you need a break. Sometimes, you need to leave the environment you are in to get the much needed rest.

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Personal Project

Boost your Business

Most people have a Plan B that needs a little boost. Specta can take your project to the next level by giving it the opportunity to expand and maintain day-to-day operations.

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Education Finance

Education Financing is easy

Whether you are working toward a Post Graduate Diploma (PGD), Master’s degree, after being in the workforce for decades, a professional Certification Programme.

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Rent Finance

Quick Upfront Cash

Rent can be a very difficult bill to pay when money is tight and sometimes, the deadline can creep up on you. Sometimes, we make enough money to afford rent but find that we cannot meet the high upfront cash requirement.

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Payday Loan

Eliminate wait time

With our ever-growing needs and the tougher economy, we all know that our salaries might not sustain us until exactly a month later. Sometimes, you need to get your salary now to ensure you sort out that pending need.

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How does it work?


Everything from start to finish on your mobile device. Get your loan anytime, anywhere, at your pace.

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Trusted by

"Mine was successful and my account has been credited with the approved loan amount. Works like Magic!"

Garki 2, Abuja.

"I applied for a rent and it was successful. Quite impressed with the speed of disbursement into my account. This is a fantastic product!"

Ilupeju, Lagos.

"All hail the king of convenience in loan processing!! SPECTA is simply mind-blowing. Alert received as promised."

Onitsha, Anambra State.

"This platform is very impressive and hassle-free."

Marina, Lagos.

"This thing works like magic"

Jos, Plateau State.

"I love this! It was just 5 minutes! Fantastic!"