Smart Finance, Bright Future
Fast, secure, and transparent financing for civil servants, businesses, green energy projects, and lyfestyle essentials.
Check Your Eligibility
Quick verification to get started
Our Services – The Spark Suite
Explore our tailored financial products designed for every need
Sparkwave Credit
₦50,000 - ₦200,000
Salary-backed loans for civil servants, seamlessly powered by Remita.
- Quick approval in 24-48 hours
- Flexible repayment terms
- Remita salary verification
Sparkwave SME
₦100,000 - ₦1,000,000
Fuel your growth with quick, flexible loans for SMEs and entrepreneurs.
- Fast business funding
- Up to 12 months tenure
- Competitive interest rates
Sparkwave Green
₦200,000 - ₦2,000,000
Affordable financing for solar installations and climate-friendly projects.
- Solar system financing
- Up to 24 months tenure
- Climate-friendly projects
Sparkwave Lyfestyle
₦50,000 - ₦1,500,000
Get gadgets, appliances, and essentials today. Pay in simple installments.
- Buy now, pay later
- Flexible installment plans
- Lifestyle essentials
How It Works
Getting started with Spark Wave is simple
Apply in Minutes
Apply via USSD, website, or app. Complete your application in just a few minutes with our streamlined process.
Get Verified & Approved
Automated checks, salary validation via Remita. Our advanced verification system ensures quick and secure approval.
Receive Your Funds
Quick disbursement directly to your account. Get your funds within 24 hours of approval.
Why Choose Spark Wave?
We provide comprehensive financial solutions with competitive rates, flexible terms, and exceptional customer service
Transparent Fees
No hidden charges
Trusted Systems
Backed by Remita & regulated frameworks
Wide Coverage
Serving SMEs, civil servants, households, and communities
Fully Compliant
FCCPC licensed, NDPC secure, aligned with CBN guidelines
Fast & Reliable
Apply and get funded in record time
By the Numbers
Our impact in numbers
Resources & Insights
Stay informed with expert financial guidance
Budget Smarter: 5 tips to manage your salary better
Solar Finance Made Easy: How Spark Green can save you money
BNPL Explained: How to use Spark Lyfestyle responsibly
Frequently Asked Questions
Who can apply for Spark Credit (civil servant loan)?
Any verified civil servant whose salary is collected through Remita is eligible to apply.
How fast will I receive my loan?
Most approved loans are disbursed within 24 hours after successful verification.
Do you charge hidden fees?
No. All fees are transparent and disclosed upfront before you accept an offer.
Can I repay early?
Yes. Early repayment is allowed without penalty, and interest is recalculated accordingly.
Which products do you offer?
Spark SME (business loans), Spark Credit (civil servant loans via Remita), Spark Green (solar & climate finance), and Spark Lyfestyle (BNPL).
What Our Clients Say
Real stories from satisfied customers
Kazeem Olarewaju
“Thanks to Sparkling Wave Investment, I now have the car of my dreams! Their seamless process and personalized service made it possible for me to purchase a vehicle without hassle. I'm grateful for their support and highly recommend their services to anyone in need of financial assistance.”
Favour Iroghama
“As a small business owner, securing funding can be daunting, but Sparkling Wave Investment Company Limited made the process seamless. Their flexible terms and quick approval allowed me to expand my operations and realize my business goals.”
Stephen Tovia
“I was hesitant about taking out a loan until I discovered Sparkling Wave Investment Company Limited. The application process was seamless, and their transparency and low processing fees made the decision easy. Highly recommended!”
