There are many reviews on the Specta loan platform. The rating of the Specta mobile loan on Google play is 2.6/5.0. This means that users are not satisfied with the loan lending app and that it might be better to obtain the loan from the website. The Sterling bank specta loan is available to students, employed individuals, and business owners. Because you have access to the sterling loan in 5 minutes, it can be considered an emergency loan.