Is Sparkwave Capital legit?

Sparkwave Capital has full FCCPC approval as a digital lender in Nigeria. See who runs it, its other apps and how it compares with other registered lenders.

FCCPC approved

Sparkwave Capital

This lender has full approval from the FCCPC to offer digital loans in Nigeria.

Company
Sparkling Wave Investment Company Limited
Listed by FCCPC as
SPARKWAVE CREDIT APP AND SPARKWAVE CAPITAL APP

Before you borrow: registration does not make a loan cheap. Check the total amount you will repay, never give an app access to your contacts or gallery, and report any harassment to the FCCPC.

FCCPC register last checked 24 October 2026. Names can differ slightly between the app store and the register; if in doubt, search the company name.

Compare it with other registered lenders

FAIRMONEY

FCCPC approved
Details Visit Provider

RENMONEY

FCCPC approved
Details Visit Provider

PALMCREDIT

Licensed by the CBN
Details Visit Provider

We may earn a commission if you apply through these links. It never changes a lender's register status. Compare all loans

Other apps from Sparkling Wave Investment Company Limited

Watch out for similar names

These apps have names close to Sparkwave Capital but are on the FCCPC watchlist or delisted. Check the exact name and developer in the app store before you install anything.

  • Spark On the FCCPC watchlist

Questions borrowers ask

Is Sparkwave Capital approved by the FCCPC?

As of the FCCPC register checked on 24 October 2026, Sparkwave Capital is listed as: FCCPC approved. This lender has full approval from the FCCPC to offer digital loans in Nigeria.

Who owns Sparkwave Capital?

The FCCPC register lists Sparkwave Capital under Sparkling Wave Investment Company Limited.

Is it safe to borrow from Sparkwave Capital?

It is allowed to lend, which is the first test. Before you borrow, check the total amount you will repay, read the fees, and never give a loan app access to your contacts or gallery.

What can I do if Sparkwave Capital harasses me or messages my contacts?

Keep screenshots of every message and call, do not pay anything you do not owe, and report it to the FCCPC. Shaming borrowers or contacting their friends and family breaks the FCCPC digital lending rules. You can also report it to KudiCompass so we can warn other borrowers.