GTBank ( Guarantee Trust Bank ) offers personal loans to customers and non customers banking on GTBank, how you need it and whenever you want it.

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

GTBank Loan In Nigeria 

GTBank offers Loans to Nigerians from their wide range of simple and straightforward loan offers.

GTBank Loan is good for your Personal needs and the projects you care about.

Types Of GTBank Loan In Nigeria.

1. GTBank Salary Loan 

GTBank salary loan in Nigeria offers you loan of up-to 50% of your net month salary, these loan is available to staff of private companies and government agencies with active salary account domiciled in GTBank.

KiaKia Loan App 

Why GTBank Salary Loan?

• up-to 50% net 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 For GTBank Salary Loan?

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

2. GTBank School Fees Loan. 

GTBank 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.

Why GTBank School Fees Loan? 

• 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 For GTBank School Fees Loan. 

1. Submit Completed Application Form and Employer Undertaking Form.

2. Provide School Fees bill and Credit Insurance.

3. Ensure that staff terminal benefit is domiciled in GTBank or obtain Corporate Guarantee.

3. GTBank Quick Credit Loan.

Whether you are a salary earner or self-employed, you can now get the cash you need instantly, and pay back over 6 - 12 months. 

The GTBank Quick Credit gives you funds up to N5million at an interest rate of 1.75% monthly. 

Business Loan In Nigeria 

Why GTBank Quick Loan? 

• Up to N1 - 5 Million

• Convenient repayment plan spread over 6 - 12 months.

• At an interest rate of 1.75% per month.

How To Apply For GTBank Quick Credit Loan.

1. You can request for Quick Credit instantly by dialling *737*51*51#

Quick Credit loan is also available on all GTBank online and mobile banking platforms (Internet Banking, GTWorld, GTBank Mobile App and Habari App).

4. GTBank MaxAdvance Loan

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

Why GTBank MaxAdvance Loan? 

• Loans from N100,000 to N10,000,000.

• Equal monthly repayment comprising principal & Interest. Monthly repayment shall not exceed 33.3% of net monthly.

• Salary Domiciliation, Credit Insurance, Domiciliation of staff terminal benefit or Corporate Guarantee.

GTBank MaxAdvance loan is an all purpose loan for you to meet your financial needs with a convenient repayment plan.

5. GTBank MaxPlus Loan. 

GTBank MaxPlus Loan offers you a larger loan facility and greater flexibility to meet your financial needs with a convenient repayment plan. Available to platinum customers whose salary accounts are domiciled with the Bank.

Why GTBank MaxPlus Loan? 

1. Get loan of between N6 Million and N30 Million.

2. Tenor of up to 36 months. Monthly repayment cannot exceed 33.3% of net monthly salary.

3. Equal monthly repayment comprising principal & Interest.

4. No collateral required.

To Apply visit any nearest GTBank branch near you.

6. GTBank Computer Ownership Loan.

GTBank 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.

Why This Loan? 

1. Maximum loan amount is N60,000.

2. Tenor 3 – 10 months

3. Equal monthly installment of principal and interest over the tenor of the facility and shall not exceed 33.3% of Corps member’s monthly allowance.

4. Corps member’s allowance must be domiciled with the Bank

5. Interest rate is Competitive.


1. Corps members get the mobile device with a flexible repayment plan.

2. It allows Corp members more information, knowledge and acquisition of skills.

7. GTMortgage Loan 

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.

8. GTBank Premium Advance Loan

GTBank Premium loan Always there, when you need funds the most, Premium Advance is a revolving overdraft facility placed on your Debit Naira MasterCard.

Why GTBank Premium Loan 

1. Up to N1 Million overdraft with a 1 year 

2. Tenor (subject to clean-up every 30 days).
Very Competitive interest rate. 2% flat fee on N1million upon first utilization.

3. Overdraft accessible via Naira Debit MasterCard (for ATM withdrawals, POS purchase and web payments)

4. Monthly repayment of interest with bullet payment of principal at end of cycle.

How To Apply:

Simply submit completed Application Form and Employee Undertaking Form.

9. GTBank Travel Loan 

Travel Advance is a time loan designed to meet the travel needs of our customers whose salary accounts are domiciled with the Bank.

Available For:

•Airline Ticket
•Hotel Reservation
•Airport Pickup and Transfer
•Tours and Events


1. Customer must have their salary account domiciled with GTBank.

2. Customer must have received his/her salary through GTBank in the last three months from the same employer.

3. Salary must be paid in Naira (NGN).

How To Apply:

1. Login to Internet Banking

2. Click Travel Advance under Investments and Quick Loans

3. Select Travel Advance and initiate a New request

4. Fill the required details

5. Authorize your request by inputting the 6 digits on your token and submit.

10. GTBank Car 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.


1. Loan Amount: Individuals – N20,000 – N1,000,000 (Individuals) & N20,000 – N5,000,000 (Corporate)

2. Tenor: Maximum of 1 year

3. Pricing: Interest Rate is 1.67% per month

4. Repayment: Equal monthly repayment comprising principal and interest

5. Equity Contribution: 20% of total insurance premium cost

6. Fees: 1% one-off flat fee.

Why Grab It?

• 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?

1. Individual Customers whose salary accounts are domiciled with the Bank;

2. All SME’s and Corporates with accounts domiciled with the Bank and with access to GAPs

How To Apply:

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.

GTBank Loan Ussd Code 

1. Dial code *737*8*2# to apply for GTBank salary loan.

2. Dial code *737*51*51# for GTBank quick credit loan

3. Dial code *737# to view all transactions on GTBank.

Wrapping Up On GTBank Loan

You can get instant loan from GTBank if you meet their terms, however the loans ranges from soft loans, mortgage loans quick credit loans etc, which gives you loan of up-to N1million Naira.