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Empowering Communities, One Loan at a Time

A community-powered lending platform that humanizes financial support by fostering trust-based, direct lending to help individuals overcome financial challenges.

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Rated 4.3 by our early users!

Our community is growing, and we’re constantly improving to serve you better.

We’re Live on Indiegogo! 🚀

Be part of the movement bringing trust-based lending to life. Let’s raise $250,000 together and empower more lives through Sparheel.

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Why Choose Sparheel?

Sparking connections and empowering communities through trust-based lending.

Community-Powered

Join a growing network where trust and support redefine lending.

Trust-Based Lending

No credit checks—just community-backed confidence in you.

Flexible Loans

Access the funds you need for school, business, or unexpected expenses.

Smart Decisions

Gain insights to make lending and borrowing easier.

See How It Works
Help

How Does It Work?

Sparheel connects borrowers and lenders in four simple steps. Start building trust and achieving financial goals today.

  • Create Your Profile:

    Sign up and provide basic details to join the community.

  • Earn Trust Points:

    Build credibility by engaging with the community and maintaining reliability.

  • Borrow or Lend:

    Connect with others to borrow funds or invest in meaningful causes.

  • Grow Together:

    Strengthen the community by giving back and supporting others.

Follow the Steps
How It Works Background
Testimonial

What they say about
us honest reviews

I was happy that I was able to get my loan approved at a time where I was stuck and short on cash, I highly recommend

Sparheel is a great app, I was able to lend someone money, and they payed it back on time! It's also very easy to use!

The app is easy to navigate

300+

Active Users

$2,000+

Loans Facilitated

4.3

App Rating

20+

Communities Supported

Our Pricing

Simple & Transparent

Fair fees designed to foster trust and community growth.

10%

Borrower Fee

  • Only applicable during fund disbursement
  • No fees for repayments
  • Supports platform sustainability

1% - 6%

Lender Service Fee

  • Earn rewards for lending
  • Low service fees for platform management
  • Seamless lending experience

$0.00

Community Support

  • Optimize your app journey
  • Join a supportive network
  • No hidden costs
About Sparheel
About Us

Empowering Communities, One Loan at a Time

Sparheel is more than a platform—it’s a community dedicated to fostering trust and financial growth. We connect individuals in need with accessible financial support, empowering them to overcome challenges and thrive. Whether you're a student, entrepreneur, or simply seeking a helping hand, Sparheel is here to build a better tomorrow together.

Read Our Story
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Your Financial Journey in Your Pocket

Experience the power of community lending anytime, anywhere. Manage loans, connect with others, and track your progress on the go with the Sparheel mobile app.

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Have A Question?

Frequently
Asked Questions

We know you might have questions about how Sparheel works, our fees, and how we create a community-driven lending experience. Below are answers to some of the most common questions. If you don’t find your answer, feel free to ask us directly.

Ask Here

  • Q.How does Sparheel work?

    Sparheel connects borrowers and lenders through a community-driven platform. Borrowers can access funds based on their trustworthiness and engagement, while lenders earn fair returns by funding loans with complete transparency.

  • Q.What types of loans does Sparheel offer?

    We offer two types of loans: Simple Payment Loans, ideal for quick, short-term needs, and Installment Loans, which can be repaid over several months for larger financial goals.

  • Q.How are borrower fees calculated?

    Borrowers are charged a flat 10% fee on the loan amount. For example, if you request a $500 loan, you'll receive $450 after fees are deducted.

  • Q.What is the Borrower Score, and how does it work?

    Your Borrower Score reflects your trustworthiness and repayment history on the platform. Making timely payments improves your score, allowing you to access larger loans and better terms.

  • Q.Are there fees for lenders?

    Lenders pay a small service fee based on the loan amount they fund. For example, funding a $500 loan would incur a service fee of around $8.40.

Ready to Take the Next Step?

Join Sparheel today and experience a community-driven lending platform designed to empower your financial journey.

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