GTBank – online loan Nigeria
GTBank personal loans from ₦500,000 to ₦5,000,000 at 1.33% monthly.
Applying does not commit you to a loan agreement.
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GTBank – Personal and Salary Loans Nigeria
Guaranty Trust Bank Plc (GTBank), now operating as Guaranty Trust Holding Company (GTCO), is one of Nigeria's most recognised and awarded financial institutions. The bank has built a reputation for innovation, excellent customer service, and digital leadership in African banking. GTBank serves millions of customers across Nigeria and multiple African and European countries. The bank is listed on the Nigerian Exchange Group (NGX) and the London Stock Exchange (LSE).
GTBank personal loans include QuickCredit (instant salary advance via app or USSD), personal term loans, and overdraft facilities. QuickCredit offers salary earners up to ₦5,000,000 at monthly interest starting from 1.33% and is accessible 24/7 via the GTWorld mobile app, USSD (*737#), or internet banking without visiting a branch. Repayment terms range from 1 to 24 months. Full personal term loans require submission of payslips, bank statements, and employment confirmation and are processed within 2 to 3 working days.
GTBank is licensed by the Central Bank of Nigeria (CBN), a member of the NDIC, and listed on two major stock exchanges. The bank has won numerous local and international awards for excellence in banking and digital services. GTBank's QuickCredit is one of the most popular loan products in Nigeria for speed and convenience. Existing account holders should check their pre-approved limit through the GTWorld app first, as this is typically the fastest route to accessing credit.
✓ Pros
- One of Nigeria's most recognised banks
- QuickCredit instant salary advance (minutes)
- Loans up to ₦5,000,000
- Multiple channels: app, USSD *737#, branch
- Listed on NGX and London Stock Exchange
✗ Cons
- Best rates for GTBank salary account holders
- Processing days for large term loans
- Interest rate (1.33%/month) may be higher than CBN-controlled rates
Loan example
Representative example: A QuickCredit loan of ₦200,000 over 6 months at 1.33% monthly interest. Monthly repayment approximately ₦34,576. Total amount repayable: ₦207,456. Total interest: ₦7,456.
Loan requirements
- ✓ Active GTBank account
- ✓ Salary inflow history (minimum 3 months)
- ✓ Valid ID
- ✓ Payslips and bank statement (for term loans)
- ✓ BVN
- ✓ Employment letter (for larger amounts)
Loan features
- QuickCredit instant salary advance
- Personal loans up to ₦5,000,000
- Terms 1 to 24 months
- Interest from 1.33% per month
- GTWorld app and USSD *737#
- CBN licensed and NDIC insured
Frequently asked questions
24 hours after submitting your application.
The minimum amount at GTBank is ₦500,000.
How to log in and sign up to GTBank
GTBank is used through its official app and website (www.gtbank.com). To sign up, download the official GTBank app or open its website, then register with the details requested — usually your phone number and BVN — and complete the short verification. To log in, open GTBank and sign in with the phone number or email you registered with. Never share your login code, OTP or PIN with anyone, and only use the official GTBank channels.
GTBank customer care and contact
For help with your account, repayments or complaints, contact GTBank through the support options inside the official app or on www.gtbank.com. GTBank is operated by Guaranty Trust Bank Plc. Be cautious of anyone asking for an upfront "processing", "clearance" or "insurance" fee before disbursement — legitimate lenders deduct any fees from the loan, never before it. You can also compare GTBank with other lenders before you decide.