why you should choose us

Why we're different

Easy and Straightforward

Everything is done on the app, lending criteria are straightforward

Transparent pricing

No haggling, no hidden fees, what you see is what you get.

Fast Processing

Once you qualify, we will get your loan to you pronto.

Loan Calculator

Use the loan calculator to determine your monthly payments for any loan. Select type of loan, input your loan amount, and term to see your estimated monthly payment.

Monthly Repayment:

Total Repayment:

choose a spectrum loan

Hassle-free lending with Spectrum

Payday Loans

Get quick funds to tide you over till the next paycheck, available to public and private sector workers

  • Lowest rates
  • Fast payouts.
  • No collateral
  • Valid means of ID (Driver's license, National ID, etc.)
  • Work ID
  • Recent Utility Bill
  • Bank statement for the last 6months