my specta loan app

My Specta loan app (also Specta loan app)  is a mobile money lending platform which provides fast and affordable loans to borrowers in Nigeria.

The app is owned and managed by Sterling Bank.

My specta loans - Interest Rates, Loan Limits

How much money can I get from my specta? Specta loan limit can go out of a maximum of N5 million disbursed to the qualified borrowers bank account within 5 minutes.

My specta interest rate is from 25.5% to 28.5% per year. In addition the lender charges a one off payment of 2.5% and a management fee of 1%. There's also a late payment fee of 1%.

Specta loans are categorised as; 
  • Personal loans
  • Business loans
  • Credit cards
Other services from specta include; 
  • Investment
  • Credit Score
  • Payment service
My specta loan app logo
Specta Logo

My specta loan app download

To start accessing loans from my specta you'll have to create your account via myspecta. com website.

You don't have to download my specta loan app to get loans.

Specta loan requirements 

You must be a Nigerian resident above the age of 18 years and have a mobile phone device or access to the internet.

My specta loan calculator

After registration a customer can use specta loan calculator to know their EMI before applying for any loan.

Is Specta loan legit 

Yes. My specta is a legit loan provided by a Central Bank of Nigeria (CBN)  regulated commercial bank known as Sterling Bank.

Some people ask if there's a GTB specta loan app. Unfortunately, there's no such an an app. My specta is a service from Sterling Bank.

Pay my specta loan 

Specta loan payment is done after 1 month to 12 months depending on the amount borrowed. 

Loan repayment can be done within the app, via sterling bank branch and agents.

My specta loan review 

My specta is a good loan facility. It's also provided by a licensed lender, Sterling Bank. Many users find it a useful mobile money lender.

Our rating of my specta loan is 3.5 out of 5 stars.

My specta loan customer care contacts 



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