GTB loan (requirements and how to get) for 2022

Do you want to know the requirements involved GTB loan and how to get? In this article, we will discuss with you everything about Guaranteed Trust Bank (GTB) including the requirements, USSD code to dial to get GTB loan, application form, etc. We will also discuss how a salary and non salary earners can apply or qualify for GTB loan.

GTB is a commercial bank operating in Nigeria helping its customers and non customers get loan for every of their budgets, be it starting up a new business, supporting the existing one, buy house, pay school fee or pay off your debts. No matter the situation you are planning to get GTB loan for, there are a lot of available loan options for you.

The GTB loan options discussed here are for GTB customers and non customers. If you are a new customer of GTB, the only requirement for you to be able to qualify for applying GTB loan is that you must stay for at least a minimum of three months after opening account with GTB.

However, if you are an existing customer of GTB, chances are there for you to get loan every time by simply providing your BVN and account number which you want the fund to be deposited to.

Read this also: GTB transfer code and how to activate it.

Now, let’s start to discuss the eligibilities, USSD code for GTB loan application, GTB application form, how to qualify and lots more right here.

How to qualify for GTB loan

To qualify for GTB loan, first of all, open an account with them, apply for your BVN if you have never gotten it before, let your account gain frequent credit transaction at least a minimum of three weeks, then visit any nearest GTB branch to apply for loan or dial *737*51*51# via your mobile phone alert number or click here to download GTB loan application form. Please continue reading for all GTB requirements.

How to get GTB loan very fast

Applying for GTB loan requires four or five methods and they are:

  1. Via QuickCredit by dialing *737*51*51#.
  2. Visiting GTBank website at
  3. Download GTB mobile banking, GTBank Mobile App from Play store or App store.
  4. Or visit any nearest GTB branch.

How to check GTB loan eligibility

To check the eligibilities for applying GTB loan, ensure that, you:

  1. Are already a GTB customer.
  2. Have an average monthly salary of not less than N1million in the last 6 months.
  3. Have annual turnover of not less than N10million.
  4. Must receive salary of a minimum of three consecutive months with GTB if you are intending to get GTB salary loan.
  5. Must have government issued ID document.
  6. Are a Nigerian citizen and presently located in Nigeria.

Different types of GTB loans and how to get

GTB being the best happiest commercial banks that like in giving out loans to people, it has different types of loans with different requirements and application method. Please let’s look at the discussion of all types of GTB loans above.

1. GTMortgage

GTMortgage offers credit facilities to customers whose salaries or business proceeds are domiciled with the Bank to enable them own a home in selected cities within the country.


Facility Amount

CategoryDescriptionMinimum (N)Maximum (N)
ALow density residential locations in Abuja and Lagos5million150million
BMedium density residential locations in Abuja, Lagos and other state capitals5million50million
Tenor1 – 20years (but subject to a maximum age of 55 when loan expires)
RepaymentFlexible repayment options:
a. Equal monthly repayment comprising principal and interest.
b. Annual, semi-annual or quarterly principal repayment while interest will be serviced monthly.Monthly repayment shall not exceed 50% of net monthly salary.
Documents required
  • Completed Application Form.
  • Title Document of Property.
  • Offer Letter to Sell property from vendor.
  • Valuation report from any of the Banks approved estate valuer.
  • Search report from GTBank Legal Group.

1. Personal Loans

GTB personal loans provide you with the right financing for your personal needs while guaranteeing you all the security you are looking for.

Application documents required
  • Completed Application Form.
  • Title Document of Property.
  • Offer Letter to Sell property from vendor.
  • Valuation report from any of the Banks approved estate valuer.
  • Search report from GTBank Legal Group.
How to apply?

Dial *737*51*51# and follow the prompts or visit any of the GTB nearest branch and lay out your request.

3. Salary Advance

Get up to 50% of your net monthly salary upfront. Available to staff of private companies and government agencies with active* salary accounts domiciled in GTBank.

  • Up to of 50% of net monthly salary in advance.
  • Tenor of 30 days. Renewable monthly.
  • No collateral required.
  • Minimum salary of N 25,000 for public sector and N 50,000 for private sector employees.
  • Salary advance will be made available within 24 hours.

How to apply?

  • Simply login to Internet Banking. 
  • Dial *737*8*2# to apply.
  • Visit any GTBank branch or ATM near you.

4. School Fees Advance

School Fees Advance is a loan facility designed to finance the payment of your child’s/ward’s school fees for schools/institutions in Nigeria only. This facility is available to members of staff of public and reputable private organizations whose salaries are domiciled with the Bank. 

  • Up to N5 Million School Fees Advance. Maximum tenor of 4 months per request.
  • Very Competitive interest rate. Equal monthly repayments comprising of principal and interest.
  • Immediate access to funds for the prompt payment of your child/wards school fees.

How to apply?

  • Submit Completed Application Form and Employer Undertaking Form.
  • Provide School Fees bill and Credit Insurance.
  • Ensure that staff terminal benefit is domiciled in GTBank or obtain Corporate.

5. Quick Credit

Whether you are a salary earner or self-employed, you can now get the cash you need instantly, and pay back in up to 12 months. Quick Credit gives you funds up to N5million at an interest rate of 1.5% monthly.
No Hidden Charges.


  • Get up to 3 times your monthly salary.
  • Convenient repayment plan of up to 12 months.
  • Pre-liquidation is allowed without penalty.
  • Interest rate of 1.5% per month.

How to apply?

  • You can request for QuickCredit instantly by dialling *737*51*51#.
  • QuickCredit is also available on all GTBank online and mobile banking platforms (Internet Banking, GTWorld and GTBank Mobile App).

6. MaxAdvance

MaxAdvance is designed to facilitate personal loans to staff of select corporate and government organizations whose staff salary accounts reside with us.


Facility Amount:N100,000 to N10,000,000
Tenor:3 – 48 Months
Repayment:Equal monthly repayment comprising principal & Interest. Monthly repayment shall not exceed 33.3% of net monthly
Support/Comfort:Salary Domiciliation, Credit Insurance, Domiciliation of staff terminal benefit or Corporate Guarantee

An all purpose loan for you to meet your financial needs with a convenient repayment plan.

Required application documents
  • MaxAdvance Application Form for Non Private Organisations.
  • MaxAdvance Application Form for Private Organisations.
  • Employee Undertaking Form.

7. Travel Advance

GTB Travel Advance is a time loan designed to meet the travel needs of our customers whose salary accounts are domiciled with the Bank. This type of GTB loan will help you take a Break when you Need One.

Travel Advance is available for:

  • Airline Ticket.
  • Hotel Reservation.
  • Airport Pickup and Transfer.
  • Tours and Events.
Facility AmountN250,000 to N3,000,000
Maximum Tenor12 months
Interest Rate20% per annum (subject to money market conditions)
Comfort/Security:Domiciliation of salaries and allowances
  • Customer must have their salary account domiciled with GTBank.
  • Customer must have received his/her salary through GTBank in the last three months from the same employer.
  • Salary must be paid in Naira (NGN).
How to apply?
  • Login to Internet Banking.
  • Click Travel Advance under Investments and Quick Loans.
  • Select Travel Advance and initiate a New request.
  • Fill the required details.
  • Authorize your request by inputting the 6 digits on your token and submit.

GTB loans for non salary earners

1. Computer Acquisition Scheme

Computer Acquisition Scheme offers a facility (time loan) to currently serving Corps members whose allowance accounts are domiciled with the Bank to finance the acquisition of mobile devices to be paid during the service year.

Facility AmountMaximum loan amount is N60,000
Tenor3 – 10 months
RepaymentEqual monthly installment of principal and interest over the tenor of the facility and shall not exceed 33.3% of Corps member’s monthly allowance
Support/ComportCorps member’s allowance must be domiciled with the Bank
Interest RateCompetitive
  • Corps members get the mobile device with a flexible repayment plan.
  • It allows Corp members more information, knowledge and acquisition of skills.
  • Completed Application Form.
  • Employer Undertaking Form.
  • Domiciliation of NYSC allowance with the Bank.
  • All applications to be completed during the NYSC orientation activities.
2. Vehicle loan

Vehicle Insurance Premium financing is a time loan that enables corporate organizations and salary owners (whose accounts are domiciled with the bank) pay for their motor insurance premium upfront and spread the repayment over a 12 months period. It is a type of loan for both salary and non salary earners of GTB to assist them in buying new cars of their choice.

  • Loan Amount: Individuals – N20,000 – N1,000,000 (Individuals) & N20,000 – N5,000,000 (Corporate)
  • Tenor: Maximum of 1 year
  • Pricing: Interest Rate is 1.67% per month
  • Repayment: Equal monthly repayment comprising principal and interest
  • Equity Contribution: 20% of total insurance premium cost
  • Fees: 1% one-off flat fee
  • Instant availability of funds to pay for insurance premium.
  • Opportunity to pay for insurance premium on monthly basis
  • Insurance cover without physically visiting insurance office
Who can apply
  • Individual Customers whose salary accounts are domiciled with the Bank;
  • All SME’s and Corporates with accounts domiciled with the Bank and with access to GAPs
How to apply

1. You can apply for the Vehicle Insurance Premium Financing on Internet Banking or on GAPS

Internet Banking

• Sign On — Menu— Insurance Loans —- Vehicle Insurance 

GAPs/GAPs Lite 

• Sign On – — Single Transactions—– Collections —– Insurance Loans—– Vehicle Insurance Leadway

2. Loan is availed immediately 

3. Insurance Service provider processes policy for the customer within 48 hours.

4. A copy of the insurance certificate is sent to the customer’s email address.

5. Customer repays the loan on monthly basis

Frequently asked questions about GTB loan

What is USSD code to get GTB loan


GTB loan application form

Application form of GTB loan is available in all of their branches nation wide and also on their website. To get it, simply visit any of their nearest branch or or visit their website at and follow the prompts, then fill and submit it.
You can also call +234 802 900 2900 to contact GTB customer care to send you their loan application form via email address.

How to get GTB loan as a non salary earner

If you are not a salary earner, you can still get GTB loan. But make sure you have opened an account with them in a minimum of three months.
For you to apply GTB loan as a non salary earner, you must have a valid BVN, positive regularly credit transaction, etc. Please visit their branch for more information.

How to check if you are eligible for getting GTB loan

To check whether you are eligible for getting any type of GTB loan described here, ensure you are a Nigerian, you have never had any criminal record, must behave a good character, etc.
Another way to be eligible for GTB loan is ensuring that you have a valid government issued ID document such as voter’s card, NIN, international passport, etc.

What is GTB Quick Credit

GTB Quick Credit is a time loan accessible to Salary and non- salary account holders. To qualify, you must be 18 years old plus or more. The application USSD code is *737*51*51#, hence, simply dial it via your GTN alert number and follow the prompts.


This article was created to help show and discuss with you GTB loans and how to apply including the involvement of eligibilities and USSD code to apply with and also an application method. Please if you have any recommendation towards updating this article, please let’s hear from you via the comment section or contact us.

If you know that this article has helped you know everything about GTB loan, its eligibilities and how to apply, please share it with your friends and remember to subscribe to our newsletter or follow us on social media for more important updates.

What GTB loan are you qualified to get now? And have you got the requirements? Please let’s discuss via the comment section.

Read this also: how to get loan without collateral in Nigeria for 2022.

Abdulrazaq Yahaya

Hi. Welcome to Fastknowers. On this blog, I share articles on how to develop your personal and career life. If you did like this article, please share it with others.

Leave a Reply