Guaranty Trust Bank (GTBank) is a leading financial institution in Nigeria and has earned a reputation as one of the most innovative and customer-centric banks in Africa. Established in 1990, GTBank has consistently evolved to meet the financial needs of individuals and businesses, offering a wide range of banking products and services.

Among its array of financial solutions, GTBank Loans stands out as a pivotal offering that empowers individuals and businesses to achieve their goals and aspirations. GTBank Loans are a suite of credit facilities designed to cater to diverse financial needs, whether it’s for personal, business, or investment purposes.

Complete Guide to GTBank Loans

These loans are backed by GTBank’s solid financial foundation and a commitment to excellence in service delivery. With a focus on accessibility, affordability, and flexibility, GTBank Loans have become a preferred choice for many seeking financial assistance in Nigeria and beyond.

Key Features of GTBank Loans

  • Diverse Loan Products: GTBank offers a wide range of loan products to cater to various needs, including personal loans, business loans, asset acquisition loans, and more. These loans are tailored to meet the unique requirements of individuals and businesses across different sectors.
  • Competitive Interest Rates: GTBank strives to provide loans with competitive interest rates, making borrowing more affordable for its customers. The bank’s commitment to transparency ensures that borrowers have a clear understanding of their repayment obligations.
  • Quick and Easy Application: GTBank has simplified the loan application process, leveraging digital technology to streamline application procedures. Customers can apply for loans online, through mobile banking apps, or by visiting one of the bank’s numerous branches.
  • Flexible Repayment Options: GTBank Loans come with flexible repayment terms that can be customized to suit the borrower’s financial capacity. This flexibility ensures that borrowers can comfortably meet their repayment obligations without undue stress.
  • Customer-Centric Approach: GTBank places a strong emphasis on customer satisfaction. Its loan officers and customer service representatives are trained to provide expert guidance, answer queries, and assist borrowers throughout the loan application and repayment journey.
  • Security and Confidentiality: GTBank prioritizes the security and confidentiality of customer information. The bank has implemented robust security measures to safeguard customer data and ensure the privacy of loan transactions.
  • Financial Inclusion: GTBank is committed to promoting financial inclusion by extending loans to individuals and businesses, including those in underserved or marginalized communities. This commitment aligns with the bank’s goal to contribute to economic development and empowerment.

GTBank Loans Opportunities

GTBank Loans Opportunities” presents a comprehensive overview of the diverse lending options provided by Guaranty Trust Bank (GTBank), a reputable financial institution. This guide delves into the various loan products and opportunities available to individuals and businesses, offering insights into the application process, eligibility criteria, and key benefits.

Whether you are seeking personal financing or exploring business expansion possibilities, this resource serves as a valuable starting point to discover lending solutions tailored to your specific needs through GTBank.

Salary Advance: Unlock 50% of Your Monthly Net Income Instantly

Access up to half of your net monthly salary in advance through our exclusive Salary Advance program. Designed for employees of both private companies and government agencies who maintain active* salary accounts with GTBank, this offering is your key to financial flexibility.

Key Benefits:

  • Instant Access: Obtain a cash advance of up to 50% of your net monthly earnings.
  • Flexible Tenor: Enjoy a repayment period of 30 days, with the option to renew monthly.
  • No Collateral Necessary: Say goodbye to the hassle of providing collateral.
  • Eligibility: Minimum monthly salary requirement of N 25,000 for public sector employees and N 50,000 for those in the private sector.
  • Swift Processing: Your salary advance will be ready within a mere 24 hours.

How to Apply:

Applying for Salary Advance is a breeze. Choose from the following convenient options:

  • Internet Banking: Simply log in to your Internet Banking account.
  • Mobile Application: Dial 7378*2# to apply with ease.
  • In-Person: Visit any GTBank branch or nearby ATM for personalized assistance.

Education Expenses Financing

The “School Fees Advance” program represents a specialized loan instrument tailored to support the seamless settlement of educational expenses for your child or ward, exclusive to educational institutions within Nigeria. This financial solution extends its availability exclusively to individuals employed within both public and esteemed private organizations, with their salary accounts firmly established with our institution.

Key Advantages

  • Generous Limit: Secure access to funds of up to N5 million for the purpose of covering educational costs.
  • Extended Repayment Period: With a maximum tenor of 4 months per application, this program offers flexibility to ensure manageable repayments.
  • Competitive Interest Rates: Our interest rates stand out in terms of competitiveness, delivering financial relief through equitably distributed monthly installments, encompassing both principal and interest components.
  • Immediate Access: Fast-track your access to funds, enabling you to promptly fulfill your obligations by settling your child or ward’s school fees.
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Application Process

To initiate your application for the “School Fees Advance” program, kindly adhere to the following steps:

  • Form Submission: Complete the Application Form and the accompanying Employer Undertaking Form.
  • Documentary Requirements: Ensure the submission of the school fees bill and acquire Credit Insurance to fortify your application.
  • Financial Alignment: Verify the alignment of your staff terminal benefit, either domiciled within GTBank or fortified through a Corporate Guarantee.

Discover the ease and efficiency of managing your child or ward’s educational expenses with the GTBank “School Fees Advance” program, where your financial stability is our commitment.

Rapid Cash Solutions

Introducing Quick Credit, a swift and efficient financial solution tailored to meet the immediate needs of salary earners. Now, you can access the cash you require promptly and enjoy a flexible repayment period spanning up to 12 months. With Quick Credit, you can secure funds of up to an impressive N5 million, all at a competitive monthly interest rate of 2.0%.

Unveiling the Benefits

  • Enhanced Borrowing Power: Unlock a lending capacity of up to three times your monthly salary, providing you with substantial financial support.
  • Flexible Repayment: Enjoy the convenience of a repayment plan that extends to a comfortable 12-month period, ensuring that your financial commitments remain manageable.
  • Pre-liquidation Privilege: Should you choose to settle your debt ahead of schedule, Quick Credit allows for pre-liquidation without incurring any penalizing charges.
  • Attractive Interest Rate: Benefit from an attractive interest rate of just 2.0% per month, allowing you to access funds without the burden of exorbitant borrowing costs.
  • Seamless Application Process

Getting started with Quick Credit is hassle-free:

  • Instant Access: Simply dial 73751*51# to initiate your Quick Credit request instantly.
  • Online Accessibility: Quick Credit is also accessible via all GTBank online and mobile banking platforms, including Internet Banking and GTWorld.
  • Experience the swiftness and convenience of Quick Credit, designed to empower you with financial flexibility while ensuring transparency and ease of access. Your financial needs are met with precision and speed through this innovative offering from GTBank.

MaxAdvance: Empowering Your Financial Aspirations

MaxAdvance is a finely tailored financial solution, meticulously designed to empower individuals employed by select corporate and government entities who entrust their salary accounts to our institution.

Distinctive Features

  • Generous Facility Range: Unlock access to personal loans ranging from N100,000 to a substantial N10,000,000, ensuring that your financial aspirations are met comprehensively.
  • Flexible Tenor: Enjoy the freedom to choose a tenor that suits your financial strategy, spanning from a minimum of 3 months to a maximum of 48 months.
  • Equitable Repayment Structure: MaxAdvance ensures financial comfort through an equitable monthly repayment structure, encompassing both principal and interest components. Rest assured, your monthly repayment obligation will not surpass 33.3% of your net monthly income, offering peace of mind.
  • Comprehensive Support: MaxAdvance offers an array of support options, including salary domiciliation, credit insurance, the domiciliation of staff terminal benefits, or the option of a robust corporate guarantee.

Advantages at a Glance

MaxAdvance transcends conventional loans, offering you an all-purpose financial instrument to address your diverse financial needs. The true advantage lies in the seamless and convenient repayment plan, ensuring your financial journey remains hassle-free and accessible.

Essential Documentation

When embarking on your MaxAdvance journey, ensure you have the following requisite documents at your disposal:

MaxAdvance Application Form for Non-Private Organizations
MaxAdvance Application Form for Private Organizations
Employee Undertaking Form

These vital documents pave the way for a seamless application process, ensuring your financial aspirations are met with precision and efficiency.

Open an account with GTBank today to experience financial empowerment like never before with MaxAdvance, where your aspirations meet our commitment to financial excellence.

MaxPlus: Elevating Your Financial Horizon

MaxPlus is your gateway to an expansive loan facility, delivering unparalleled flexibility to address your diverse financial requirements, all while embracing a user-friendly repayment structure. This exclusive offering is reserved for our esteemed platinum clientele, individuals who have chosen to domicile their salary accounts with our institution. Please be advised that specific terms and conditions do apply.

Key Advantages

  • Substantial Borrowing Power: Unlock access to loan amounts ranging from a substantial N6 million to an impressive N50 million, providing you with the financial prowess you deserve.
  • Extended Tenor: MaxPlus offers a generous tenor of up to 60 months, affording you the luxury of an extended repayment period, tailored to suit your financial strategy.
  • Budget-Friendly Repayment: MaxPlus prioritizes your financial comfort by ensuring that your monthly repayment obligation remains well within reach, never exceeding 50% of your net monthly salary. This ensures financial harmony and peace of mind.
  • Comprehensive Repayment Structure: Embrace the simplicity of an equitable monthly repayment structure, meticulously designed to encompass both principal and interest components.
  • No Collateral Necessary: MaxPlus breaks free from the traditional constraints of collateral, offering you a lending solution that is both accessible and hassle-free.

Elevate your financial journey with MaxPlus, where the limits of possibility are redefined, complete the employee undertaking form and your aspirations become GTBank commitment to excellence.

Digital Access Empowerment Program: Computer Acquisition Scheme

The Computer Acquisition Scheme, a cornerstone of our Digital Access Empowerment Program, extends a unique facility, often referred to as a “time loan,” exclusively to the dedicated serving Corps members whose stipends find their home within our financial institution. This innovative program aims to facilitate the acquisition of mobile computing devices, a valuable resource during their service year.

Prominent Features

  • Generous Funding: Corps members are granted access to a substantial maximum loan amount of N60,000, enabling the acquisition of cutting-edge mobile technology.
  • Flexible Tenor: The Computer Acquisition Scheme offers a flexible repayment tenor, spanning from 3 to 10 months, providing financial adaptability.
  • Balanced Repayment Structure: Facilitating responsible borrowing, this program ensures equal monthly installments, thoughtfully combining both principal and interest components. Monthly repayments are meticulously calibrated to never exceed 33.3% of a Corps member’s monthly allowance.
  • Supportive Partnership: To participate in this initiative, Corps members must domicile their monthly allowances with our institution, solidifying the collaborative partnership.
  • Competitive Interest Rates: Enjoy the advantages of competitive interest rates that enhance the overall affordability of this scheme.
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Realizing Your Benefits

The Computer Acquisition Scheme is more than a financial offering; it’s a gateway to empowerment:

  • Mobile Device Access: Corps members gain access to state-of-the-art mobile devices while enjoying a repayment plan that aligns with their financial comfort.
  • Knowledge Enrichment: This program extends beyond hardware; it paves the way for Corps members to acquire vital information, expand their knowledge base, and foster essential skill development.

What You Require to Get Started

To embark on this transformative journey, you’ll need the following essentials:

  • Completed Application Form: Ensure your application is diligently filled out.
  • Employer Undertaking Form: A crucial document to solidify your commitment.
  • Domiciliation of NYSC Allowance: To qualify, your monthly NYSC allowance must be domiciled with our esteemed institution.
  • Orientation Activity Application: All applications must be initiated during the NYSC orientation activities, ensuring a seamless and organized process.

The Computer Acquisition Scheme within the GtBank Digital Access Empowerment Program serves as a beacon of technological empowerment, bridging the gap between aspirations and achievements. Elevate your capabilities and seize opportunities in the digital age with GTBank

Homeownership Redefined: GTMortgage

GTMortgage is your pathway to securing credit facilities designed exclusively for those who entrust their salaries or business proceeds to our institution. This financial program is meticulously crafted to pave the way for individuals to become homeowners in carefully selected urban centers across the nation.

Distinctive Features

Unlock a spectrum of home financing possibilities tailored to your needs:

Facility Amounts by Category:

  • Category A: For those seeking to establish roots in low-density residential locations in Abuja and Lagos, avail loan amounts ranging from a minimum of N5 million to a remarkable N150 million.
  • Category B: If your aspirations lie in medium-density residential areas in Abuja, Lagos, or other state capitals, our offerings extend from a minimum of N5 million to N50 million.
  • Flexible Tenor: Embrace the freedom of a repayment tenor spanning from 1 to 20 years. However, please be advised that this tenure is subject to a maximum age limit of 55 years upon loan expiration.

Versatile Repayment Options:

  • a. Equitable monthly repayments incorporating both principal and interest components.
  • b. Alternatively, opt for annual, semi-annual, or quarterly principal repayments while servicing monthly interest obligations. Rest assured, the monthly repayment commitment remains capped at 50% of your net monthly salary, ensuring financial equilibrium.

Documentation Requirements

Prepare the following essential documents to embark on your journey to homeownership:

  • Completed Application Form: Ensure meticulous completion of the application form.
  • Title Document of Property: Vital documentation substantiating your property claim.
  • Offer Letter to Sell Property from Vendor: A formal communication of intent to sell the property from the vendor.
  • Valuation Report from Approved Estate Valuer: A comprehensive valuation report from one of the bank’s approved estate valuers.
  • Search Report from GTBank Legal Group: A search report procured from the esteemed GTBank Legal Group to fortify your application.

With GTMortgage, we redefine homeownership by facilitating your dream of possessing a home in the urban landscape you desire. Embrace the future with financial confidence and secure your place in the vibrant communities we serve.

Elevate Your Financial Horizon: Premium Advance

In moments when financial stability is paramount, Premium Advance emerges as your unwavering ally. It stands as a dynamic revolving overdraft facility seamlessly integrated with your Debit Naira MasterCard.

A Glimpse of the Benefits

  • Generous Overdraft: Secure access to overdrafts reaching up to an impressive N1 million, featuring a one-year tenor, subject to a prudent clean-up every 30 days.
  • Competitive Interest Structure: Embrace an interest rate structure that stands out for its competitiveness, accompanied by a modest 2% flat fee of N1 million during the initial utilization.
  • Overdraft Accessibility: Experience the ease of accessing your overdraft through your Naira Debit MasterCard. Whether it’s ATM withdrawals, POS purchases, or online payments, the power to manage your finances is at your fingertips.
  • Financial Flexibility: Premium Advance introduces a repayment strategy that combines monthly interest payments with a bullet payment of the principal sum at the conclusion of each cycle, ensuring financial harmony.

Prerequisites for Premium Advance

To unlock the potential of Premium Advance, certain eligibility criteria must be met:

  • Exclusive to Platinum Customers: This offering is tailored exclusively for our esteemed Platinum clientele.
  • Financial Benchmarks: Your average monthly salary for the past six months should not dip below N1 million, and your annual turnover must remain at or above N10 million.
  • Salary Domiciliation: Ensure that your salary has been consistently credited to your GTBank account for the last three consecutive months.
  • Financial Clean Slate: A prerequisite entails a clean financial record, which means no overdue obligations with GTBank or any other financial institution.

How to Initiate Your Premium Advance Journey

Premium Advance signifies more than just financial flexibility; it is a testament to your financial prowess and responsible fiscal management. Elevate your financial aspirations with Premium Advance, where we stand by you when it matters most.

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Elevating Assurance: Vehicle Insurance Premium Financing

In the realm of fiscal empowerment, Vehicle Insurance Premium Financing emerges as a strategic time loan, extending its reach to both corporate entities and diligent salary earners who have entrusted their financial matters to our institution. This innovative financial solution empowers you to pay your motor insurance premium upfront and smoothly distribute the repayment over a convenient 12-month period.

Prominent Features

  • Loan Quantum: Access funds tailored to your needs, with individuals qualifying for loans ranging from a minimum of N20,000 to a maximum of N1,000,000, while corporate entities can access amounts spanning from N20,000 to an impressive N5,000,000.
  • Tenor Flexibility: Embrace the convenience of a maximum tenor of 1 year, providing ample time for structured repayment.
  • Competitive Pricing: Benefit from a competitive interest rate set at 1.67% per month, enhancing the affordability of this financial offering.
  • Structured Repayment: Premium Financing brings you the assurance of equal monthly repayments, artfully designed to encompass both principal and interest components.
  • Equity Contribution: An equitable participation model entails a 20% contribution towards the total insurance premium cost, enhancing financial collaboration.
  • Minimal Fees: A one-off flat fee of 1% ensures financial transparency and simplicity.

Unlocking Benefits for You

  • Instant Fund Availability: Experience the immediacy of accessing funds for your insurance premium obligations.
  • Monthly Premium Payments: The financing option empowers you to spread your insurance premium expenses over manageable monthly intervals.
  • Effortless Insurance Coverage: Bid farewell to the hassle of physically visiting insurance offices; Premium Financing streamlines the process for your convenience.

Who Qualifies for Application

  • Individual Customers: Those whose salary accounts find their home within our institution.
  • SMEs and Corporates: Entities with accounts domiciled with us and access to the Global Payroll Services (GAPs) platform.

How to Initiate Your Application

  • Internet Banking: Accessible through Internet Banking or the Global Payroll Services (GAPs) platform, our seamless application process ensures swift access to funds.
  • Internet Banking: Sign On — Menu — Insurance Loans — Vehicle Insurance
  • GAPs/GAPs Lite: Sign On — Single Transactions — Collections — Insurance Loans — Vehicle Insurance Leadway

With this financing solution, your insurance premium obligations become a seamless part of your financial journey. Embrace the assurance of Vehicle Insurance Premium Financing, where fiscal empowerment and convenience converge.

In conclusion

GTBank Loans exemplify the institution’s dedication to providing financial solutions that empower individuals and businesses to achieve their financial goals. With a wide range of loan products, competitive rates, user-friendly application processes, and a strong focus on customer satisfaction, GTBank continues to be a trusted partner in the journey toward financial success for countless Nigerians and international customers.

Whether you’re looking to fund a personal project, expand your business, or seize investment opportunities, you can open an account with GTBank today to have access to all the offers to turn your aspirations into reality.


What is QuickCredit?

QuickCredit is a timely financial solution, accessible to both salary and non-salary account holders. It offers swift access to much-needed funds when you need them most.

How can I access the QuickCredit loan?

You can tap into QuickCredit through various channels, including USSD, Internet Banking, and GTBank Mobile Banking App. We’ve made it convenient for you to secure the financial assistance you require.

What is School Fees Advance?

School Fees Advance is tailored to ease the financial burden of funding your child’s or ward’s education. It’s designed to finance the payment of school fees, ensuring a smooth educational journey.

What is the required length of the salary account relationship?

To qualify for School Fees Advance, the Bank requires a customer to have received their salary through their GTBank account within the last month.

What is GTMortgage?

GTMortgage is your gateway to realizing homeownership dreams. It offers credit facilities in the form of term loans to partially finance your acquisition of residential properties in locations approved by GTBank.

Can I access GTMortgage to acquire a flat?

Yes, you can access GTMortgage to acquire flats in locations endorsed by the bank, making your housing aspirations a tangible reality.

Who is eligible to apply for an insurance loan?

Insurance loans are accessible to a wide range of applicants, including salary earners, small and medium-sized businesses (SMEs), and corporate customers.

What is the maximum loan amount?

Individuals can secure up to N1 million in insurance loans, while SMEs and corporate clients have access to loans of up to N5 million, providing flexibility in meeting diverse financial needs.

What is the turnaround time for loan disbursement?

When it comes to accessing your funds, GTBank prioritizes efficiency. Our turnaround time for disbursing funds is a mere 48 hours from the moment GTBank receives all necessary documents.

These offerings exemplify GTBank’s commitment to providing financial solutions that cater to your unique needs. Your financial journey is the Bank’s top priority, and they’re ready to empower you every step of the way.


Akinpedia is a passionate and knowledgeable author with a strong background in technology and business; he brings a wealth of expertise and insights to his writing.

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