We offer a variety of loans such as
  • Business Loans
  • Education Support Loans
  • Salary Earners Loans
  • PayDay Advance Loans
  • Public Sector Loans
  • etc
For Salary Earners (Civil Servants & Private sector employees)
  • Valid means of Identification (Driver’s License, National ID Card, International Passport
  • Work ID Card
  • Recent utility bill
  • Bank statement for the last 6months
For Salary Earners (Civil Servants & Private sector employees)
    For Business Owners
  • Appropriate Collateral
  • Guarantor
  • Post-Dated Cheques
The interest on some of our loan is as low as 2.8% and not exceeding 3% for other loans. We will review our rates downward for you should you find a lower interest elsewhere.
You can walk into our bank today and walk out with a loan, you absolutely do not need to have operated an account with us before accessing a loan.
Flexible collateral arrangements depending on loan size (household goods, business equipment, goods in stock, vehicles, property etc.)


We have a variety of account types to suit our different category of customers such as
  • Max yield interest acct
  • Fixed Term Deposits acct
  • Target Vault Savings
  • Teen & Junior Savers
  • Easy Save
  • USSD banking
  • etc
All Accounts are zero account opening balance.
Yes we do. Dial *347*126# to get started
You can do transfers to other account holders and you can also pay bills too.

Mobile Banking

Yes we do have a mobile App called SpectrumPay
Go to PlayStore on your android and search for Spectrum Pay, then download same. Follow the instruction displayed within the app to register and begin to bank on the go!

Spectrum Cards

If you opt for an ATM card in the account opening form then you will be issued with one.
Our ATM card works with any ATM machine anywhere in Nigeria, so that you do not need to come to the bank to use the ATM.