Our Loan Services
Quick approval loans that suit your terms and financial needs
Our Loan Services
Choose from our comprehensive range of loan products designed to meet your personal and business financial needs
Spark Credit
₦50,000 - ₦200,000
Quick personal loans for immediate financial needs. Fast approval, flexible terms, and competitive rates.
- Quick approval in 24-48 hours
- Flexible repayment terms
- No collateral required
Spark SME
₦100,000 - ₦1,000,000
Fuel your business growth with our SME loans. Designed for small and medium enterprises to scale and expand.
- Up to ₦1M funding
- Business growth support
- Flexible repayment options
Spark Green
₦200,000 - ₦2,000,000
Invest in renewable energy solutions. Solar panels, inverters, and green technology financing for a sustainable future.
- Solar panel financing
- Energy savings benefits
- Long-term investment
Spark Lyfestyle
₦50,000 - ₦1,500,000
Shop now, pay later. Get gadgets, appliances, and lifestyle essentials today and spread payments over time.
- Wide product range
- Flexible tenure (3-12 months)
- Fast approval
Why Choose Our Loan Services?
We provide comprehensive financial solutions with competitive rates, flexible terms, and exceptional customer service
Fast Approval
Get approved in 24-48 hours with our streamlined process
Secure & Compliant
FCCPC & NDPC compliant with transparent processes
Expert Support
Dedicated customer support throughout your loan journey
Competitive Rates
Affordable interest rates tailored to your needs
How it Works
At Sparkling Wave Investment Company Limited, accessing funding is simple. Choose your loan product, apply online, and get approved quickly. Our team customizes a loan to fit your needs and approves it promptly.
Choose Your Loan
Select from our range of loan products - Spark Credit, Spark SME, Spark Green, or Spark Lyfestyle. Each designed for specific needs with tailored terms and conditions.
Apply Online
Complete our simple online application form. Provide your details, upload required documents, and submit your application in minutes.
Get Approved & Funded
Our team reviews your application and approves it within 24-48 hours. Once approved, funds are disbursed directly to your account or vendor.
Ready to Get Started?
Choose from our comprehensive range of loan products designed to meet your personal and business financial needs. Quick approval, competitive rates, and flexible terms.
Or explore our loan products above