GTBank Loan App, GTBank Transfer Code

Are you interested in getting a GTBank loan? This article is a great place to start. GTB (Guaranty Trust Bank) is a leading financial institution in Nigeria that offers various financial services, including loans.

GTBank loan is one of Nigeria’s most sought-after financial products, as it provides access to funds for various purposes, such as education, business, and personal needs.

If you are interested in applying for a GTBank loan, the process is quite straightforward, and you can do it via the GTB website, GTB mobile app, or USSD code. Additionally, you must meet certain requirements, such as having a GTB account, providing proof of income, and having a good credit score.

In this article, we will provide you with a step-by-step guide on how to apply for a GTBank loan, including the USSD code and requirements you need to fulfill. So, whether you need funds for your business or personal needs, read on to learn more about the GTBank loan application process.

About GTBank Loan

GTBank (Guaranty Trust Bank) Loan is a credit facility offered by Guaranty Trust Bank, a leading Nigerian financial institution. The loan is available to individuals, small and medium-sized businesses, and corporate organizations to cater for their financial needs.

The loan has a flexible repayment plan, a low-interest rate, and no hidden charges. Borrowers can access a maximum loan amount of ₦100 million, and the loan can be used to finance various needs such as personal expenses, education, healthcare, and business growth.

Guaranty Trust Bank Loan is an excellent option for those seeking financial assistance in Nigeria, as the application process is straightforward and the loan terms are favorable.

Benefits of GTBank Loan

Getting a GTBank loan comes with several benefits. Some of these benefits are:

Access to funding: GTBank loan offers access to funding that can help individuals or businesses finance their projects or ventures.

Flexible repayment terms: The repayment terms of GTBank loans are flexible, making it easier for borrowers to repay the loan on time.

Quick approval: GTB loans offer quick approval, which means that borrowers can receive the funds they need in a short amount of time.

Advantages of GTBank Loan

Some of GTB loans are listed below:

Low-interest rates: GTB loans offer low-interest rates, making it more affordable for borrowers to repay the loan.

No collateral required: GTB loan does not require collateral, which means that borrowers do not need to put up any assets as security for the loan.

Easy application process: The application process for GTB loan is simple and can be completed online or in-person.

Disadvantages of GTBank Loan

As there are advantages of GTB loan, there are also disadvantages, these include:

Stringent application process: The application process for GTB loan can be stringent, and not all applicants may qualify for the loan.

Limited loan amount: GTB loans may have a limited loan amount, which may not be enough for some borrowers.

Penalty charges: If borrowers default on their loan, GTB may charge penalty fees, which can make the loan more expensive in the long run.

What Does GTB Loan Offer?

GTBank (Guaranty Trust Bank) offers a range of loan products to cater to the diverse needs of its customers. Here are some of the loan products offered by GTBank:

Quick Credit

This fast and easy loan product allows customers to access up to N5 million in less than two minutes without collateral.

Salary Advance

This loan product allows customers to access up to 50% of their monthly salary in advance.

Max Advance

This loan product is designed to provide short-term financing for customers to meet urgent financial needs.

SME Loans

This loan product is tailored to meet the financing needs of small and medium-sized enterprises.

Vehicle and Asset Finance

This loan product allows customers to purchase new or used vehicles and other assets through financing.

Mortgage Loans

GTBank offers mortgage loans to help customers acquire their dream homes.

GTBank Overdraft

This loan product allows customers to overdraw their current account up to an agreed limit.

GTBank Travel Advance

This loan product is designed to help customers finance their travel expenses.

GTBank School Fees Advance

This loan product allows customers to access funds to pay for their children’s school fees.

GTBank Personal Loan

This loan product is designed to meet the personal financing needs of customers.

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Note that the terms and conditions of each loan product may vary depending on the borrower’s specific requirements and the bank’s policies.

How to Apply for GTBank Loan

To apply for a loan from Guaranty Trust Bank (GTB), follow these simple steps:

  • Determine the type of loan you want: GTB offers various types of loans, including personal loans, salary advance loans, small business loans, and more. Decide which loan is suitable for you and your needs.
  • Visit the GTB website: Go to the GTB website and navigate to the “Loans” section. Here, you will find information about the different types of loans that GTB offers.
  • Choose your loan: Click on the loan type that you want to apply for and read the requirements carefully.
  • Fill out the loan application form: After selecting your desired loan, fill out the application form online. Make sure you provide all the necessary information and documentation required.
  • Submit your application: Once you have completed the application, submit it and wait for GTB to review and process your request.
  • Follow up with GTB: If your application is successful, GTB will contact you with the details of your loan offer. If you have any questions or concerns, don’t hesitate to follow up with GTB.



You can simply visit any GTB(Guarantee Trust Bank) branch near you for assistance and info on how to apply.

It’s important to note that the loan application process may vary depending on the type of loan you want to apply for. Ensure you read the loan terms and conditions carefully before signing any agreement.

Requirements for Applying for GTB Loan

GTB (Guaranty Trust Bank) offers different types of loans, and each loan may have its own specific eligibility criteria. However, some common requirements for applying for a loan with GTB include the following:

  • Age: Applicants must be between the ages of 18 and 65 years.
  • Account: you must own an account with GTB(salary account)
  • Employment: Applicants must be gainfully employed or have a verifiable source of income.
  • Credit Score: Applicants must have a good credit history and credit score.
  • Bank Account: Applicants must have an active GTB bank account.
  • Loan Purpose: Applicants must have a genuine reason for borrowing the money.
  • Loan Amount: Applicants must meet the minimum and maximum loan amount requirements set by GTB.
  • Collateral: Depending on the type of loan, GTB may require collateral as security for the loan.


It is important to note that meeting these eligibility criteria does not guarantee approval for a GTB loan. Other factors, such as the loan amount, loan term, and interest rate, will also be considered during the loan application process.

GTB Interest Rates

The different interest rates for the different types of loans GTB offers. To get the accurate interest rate for any type of loan, you need please visit their website.

GTB USSD Code for Loan

Did you know that you can apply for a GTB loan using the USSD loan code? Simply dial *737*8*2# and follow the prompt.

GTBank Loan Customer Care Numbers and Contact Details

Head Office AddressPlot 635, Akin Adesola, Victoria Island, Lagos.

Tel: +234 1 4480000
Tel: 0700 48266328
Tel: +234 802900 2900
Tel: +234 803900 390


+234 904 000 2900

Telephone (Corporate inquiries only): +234 1 271 5227


Locate a Branch/ATM

Locate a GTBank branch financial or ATM closest to you.

Branch / ATM Locator

Frequently Asked Questions

How much can I borrow from GTB?

The loan amount depends on the type of loan and the applicant’s creditworthiness, but it typically ranges from ₦10,000 to ₦5, 000,000.

How long does it take to get a GTB loan?

The processing time varies depending on the loan type, but it can take anywhere from a few days to several weeks.

Can I apply for a GTB loan online?

Yes, you can apply for a GTB loan online through the bank’s website or mobile app.

What happens if I default on my GTB loan?

Failure to repay a GTB loan can result in penalties, legal action, and damage to your credit score.

How do I repay my GTB loan?

Repayment can be made through automatic deductions from your GTB account or other payment methods specified by the bank.

Can I prepay my GTB loan?

Yes, you can prepay your GTB loan without penalty, subject to the bank’s terms and conditions.

What is the maximum repayment period for GTB loans?

The repayment period depends on the loan type and amount, but it can range from a few months to several years.

Bottom Line

GTB loans refer to the loan products offered by Guaranty Trust Bank (GTB), a leading financial institution in Nigeria. The bank provides a wide range of loan products tailored to meet the diverse financial needs of its customers.

These loan products include personal loans, business loans, mortgage loans, and asset finance loans. Customers can access these loans at competitive interest rates with flexible repayment terms.

To qualify for a loan, customers are required to meet the bank’s credit criteria, which include a good credit score, stable income, and appropriate collateral. GTB loans offer customers a reliable and convenient way to finance their personal or business ventures.