Your plans shouldn't wait!

Get quick cash to do what you want to do today.

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!


Why Sparkle Loan?


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 ₦100,000 up to ₦5,000,000 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.

Digitally Simple

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.

Let’s get started with your first loan


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.

To get started: Open a Sparkle account, fund your account, and start carrying out transactions to increase your Loyalty Level and eligibility for Sparkle Loan.
Check your eligibility On your Loan Dashboard, complete the KYC process by providing answers to simple questions about you, then submit for a quick review.


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 on your Loan Summary, all you need to do is tap 'Proceed', enter your PIN and we’ll credit the money into your Sparkle account immediately.

 Receive your Loan agreement.
To repay your Sparkle Loan, the Repayment Amount would be auto debited from your account on the fixed Repayment Date.


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.

Get sparkling!!!

Be Part of Our Sparkle Tribe

Download the Sparkle App and open an account within minutes

  • Download sparkle on applestore
  • Download sparkle on google play store
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Frequently Asked Questions


  • General Questions 
  • Qualification
  • Application 
  • Payment
  • Repayment
  • Account Management