Civil Servants, Credit Made Simple
Fast, salary-backed loans seamlessly integrated with Remita payroll. Secure, transparent, and hassle-free.
Plan Your Loan Repayment
Use our interactive calculator to estimate your monthly payments
Calculate your monthly repayment instantly
Monthly Repayment
₦0
*Figures are estimates; final offers depend on verification
Apply NowQuick Pre-Qualification
Check your eligibility in under 2 minutes
Quick pre-qualification in under 2 minutes
Built for Nigerian Civil Servants
Civil servants across Nigeria deserve easy access to credit without stress. Spark Credit is built just for you — leveraging Remita payroll integration to make borrowing simple, secure, and automated.
With Spark Credit, loan approval and repayment are tied directly to your salary, eliminating delays and making the process transparent from start to finish.
24-48h
Quick Approval
Why Choose Spark Credit?
Key features that make us the preferred choice for civil servants
Remita Integrated
Salary verification & deductions directly via Remita
Quick Disbursement
Funds released within 24–48 hours
No Collateral Needed
Only salary history verification required
Transparent Fees
No hidden charges, clear deductions
Eligibility & Documents
Required Documents
How It Works
Simple steps to get your Spark Credit loan
Apply
Dial USSD, visit website, or use our app to start your application.
Verify Salary
Remita integration automatically checks your payroll details.
Eligibility Check
We check your eligibility based on the DTI ratio.
Approval (24–48h)
Loan offer sent with detailed repayment plan.
Receive Funds
Loan disbursed directly to your bank account.
What Our Customers Say
Real experiences from civil servants who trust Spark Credit
Chinwe Okafor
Civil Servant
“Getting my Spark Credit loan was stress-free. Salary verification was instant and repayment is automatic.”
Ibrahim Mohammed
Federal Ministry Staff
“I got ₦500,000 in 48 hours without collateral. The Remita deductions give me peace of mind.”
Frequently Asked Questions
Get answers to common questions about Spark Credit
Who can apply for Spark Credit?
Any Nigerian civil servant with salary collection through Remita.
How long does approval take?
Most applications are approved within 24–48 hours.
Do I need collateral?
No. Salary history and Remita integration are enough.
How does repayment work?
Deductions are made automatically from your salary via Remita.
Can I repay early?
Yes. Early repayment is allowed without penalties.
What documents do I need?
Valid ID, BVN, and last 3 months' payslip or Remita records.
Compliance & Trust
FCCPC Compliant
Fully compliant with Federal Competition and Consumer Protection Commission regulations
NDPC Secure
Your data is protected under Nigeria Data Protection Regulation
Powered by Remita
Trusted payroll integration for seamless salary verification
Partnered with WEMA Bank
Enjoy secure and efficient loan disbursements powered by WEMA Bank’s trusted financial network.
Civil Servants Deserve Stress-Free Credit
Apply now and access Spark Credit in just 24–48 hours. No collateral, no stress, just simple credit when you need it.