Whether you need to fuel your car, pay school fees or just some quick cash to stock up on groceries, you’ll have the money in your account in minutes. No waiting around!
Ask, access, whenever, wherever.
Your price is determined by how well we know you and the activities you do on the Sparkle app.
It's your Data that decides, not humans. The more you do with us the more we know you.
There’s a Sparkle Loan for everyone. Get from ₦5,000 up to ₦1,000,000 straight into your Sparkle account.
Get early payment reminders to help you stay on top of your loan repayments. Easily see what you’ve paid, how much is left to pay, and all your loan information in one place.
You shouldn’t have to jump through hoops to get a loan. Apply straight from your Sparkle app in just a few clicks. No complex forms, collateral or guarantor needed.
To get a loan from us you need to be a loyal friend.
To get started:
Open a Sparkle account, fund your account, and start carrying out transactions to earn loyalty points and qualify for a loan in no time.
If you’re already a Sparkler, you’ll need to check if you’re loyal.
Launch your Sparkle app and click on ‘Sparkling Rewards’ to see your loyalty level. If you’re Loyalty level is 3 or 4, that means you’re qualified to get a loan from us. But before you apply, be sure you’ve submitted your NIN and address to us for verification.
No worries, it’s simple. Just click on your profile on the app and select “Account Verification” to submit your personal details to us. We’re asking for these just to know you well enough to trust you with our money.
Get a Sparkle Loan
If you’re qualified for a loan, we’ll show you the highest amount you can borrow. Simply tell us how much you need by typing in the exact amount.
Using the Loan calculator, choose the duration of your loan and we’ll show you your Repayment Amount and Schedule.
If you’re cool with all the details, all you need to do is sign your offer letter and we’ll credit the money in your Sparkle account immediately.
To repay your Sparkle Loan, all you need to do is to fund your account with the repayment amount and debit your account on the repayment date.
You can also choose to repay your loan earlier than your repayment date. Paying back your Loan on time gives you access to higher Loan amounts.
Just tell us how much you need! You can get as little as ₦5,000 to as much as ₦1,000,000 right in your Sparkle account.
We lend you money to help, and so we only charge you a little extra for it. How much extra depends on:
One thing for sure is that our prices are comparable and, in many cases, better than other banks and FinTechs
It’s simple! Just do more on the Sparkle app- use all our amazing features, maintain deposits, and pay your bills with Sparkle.
Also make sure we have personal information about you like your NIN and your residential address. When you do all of these, we get to know you better and charge you only a little for the money you’re borrowing. You’ll see the exact rate you get on your loan offer letter.