SparkCredit loan app review, get fast loan

SparkCredit is your trustworthy online loan APP in Nigeria which provide users with safe ways to borrow and solve the problem of urgent need for money, whether for personal needs or for business needs

SparkCredit is a good loan app that offers a maximum loan of NGN500000. This app is better than other loan apps because it involves 3 steps to complete the application and get the loan easily, no need to go out, no mortgage, no prepaid fees, complete the application online.



1. You must be over 18 years old

2. You must be a citizen of Nigeria

3. You must have the valid required documents

Benefits of taking loan from SparkCredit


1. There is no any collateral

2. You can borrow up to NGN500000

3. Low interest rate

4. It is safe, reliable and flexible

5. They are open 24 hours to solve any problems which you encounter with the loan

SparkCredit is there for you if you need instant cash to solve the following needs;

1. Treatment of illness

2. tourism

3. Children going to school

4. Birthday party

5. Daily necessities

6. House decoration,

If you are one of these people:

① Parenting mother:In the recovery period for milk, powder and other issues in a hurry;

② College students:Facing the pressure of life,or the need for further education,if there is not enough money to buy your favorite gift for your beloved partner

③ Self-employed businessmen:Faced with the problem of capital turnover

④ Low-income blue-collar workers:Cost of living for children、 house renovation and melancholy and other problems

⑤ White-collar workers with low incomes: Purchase of daily necessities or electronic digital equipment needs and other issues.

You are welcome to use their loan APP!

Loan term:

91 days (shortest, including renewal time) – 365 days (longest, including renewal time)

Loan amount:

they give out loan from NGN3000-NGN500000

Interest rate:

as low as 0.05% (daily interest)

Interest rate: Maximum APR is 18% per year, 0.05% per day

Transaction fee:No.

Processing fee: No.

If you choose a loan limit of NGN 6,000.00 with a period of 360 days,

the total interest must be paid: NGN 6000.00 * 0.05% * 360 = NGN 1080, monthly interest shall be paid:NGN6000.00 * 0.05% * 30 =NGN 90, monthly repayment bill including principle and interest shall be paid: NGN 6000/12 + NGN 90= NGN 590, total repayment bill including principle and interest shall be paid: NGN 6000.00 + NGN 1080 = NGN 7080

mode of repayment

SparkCredit support multiple channels of repayment,as:USSD Phone repayment, ATM Machine repayment, Bank over-the-counter transfer, Online banking repayments,to help you easily resolve repayment issues。

monnify: Support USSD Phone repayment、ATM Machine repayment、Repayments such as bank over-the-counter transfers。

paystack: Support USSD Phone repayment、Repayments such as bank over-the-counter transfers。

How to get the loan


To get SparkCredit loan, you need to download the app on app store or you can contact the customer care service below if you are using an Android device.

How to CONTACT the loan app


If you have doubts, questions or feedback, you can contact their online customer service for help

Working hours: Monday to Friday 9am to 6pm.

Customer Service contact: 08101539951



Company Address: 2nd Floor, 13, King George V Road, lagos, Nigeria


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