How to Get a GTBank Loan in Nigeria (2025) – Full Guide & Application Links

1. QuickCredit (Salary Account Loan)

• Eligibility: GTBank salary account with ≥ 6 monthly salary lodgements, ≥ ₦30,000 net monthly income, clean credit history (GTBank, GTBank).
• Loan Amount: ₦5,000 – ₦5,000,000 (up to 3× monthly salary).
• Interest: 2.95% monthly (~35.4% p.a.), plus 1% one-off credit insurance fee (GTBank).
• Tenor: Up to 12 months.
• Moratorium: No standard moratorium; COVID‑19 relief only (90 days for SMEs in eligible sectors) (GTBank, GTBank).
• Repayment options: Equal monthly instalments (principal + interest); early pre-liquidation allowed without penalty (GTBank).
• Apply via:
  • USSD: *737*51*51#
  • GTWorld mobile app / Internet Banking → QuickCredit section (GTBank)
    Official page & apply → QuickCredit

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2. QuickCredit for Small Business (SME Loan)

• Eligibility: Corporate/business account aged ≥ 6 months with ≥ 1 year operations; sectors: education, healthcare, trade, services, fashion, food (GTBank).
• Loan Amount: ₦250,000 – ₦10,000,000 (max 50% of 12‑month turnover).
• Interest: 2.95% monthly (~35.4% p.a.) (GTBank).
• Tenor: Six months (trade/services/food); 12 months (healthcare, fashion, education) (GTBank).
• Moratorium: 90-day COVID‑19 relief granted back in 2020 (GTBank).
• Repayment: Either monthly interest + quarterly principal (schools) or equal monthly instalments (GTBank).
• Apply via: GAPs / GAPsLite platform → Loans → QuickCredit for Small Business (GTBank)

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3. Salary Advance

• Eligibility: Salary account domiciled in GTBank.
• Loan Amount: Up to 50% of net monthly salary.
• Tenor: 30 days (renewable).
• Moratorium: Not applicable.
• Repayment: Full repayment at end of 30‑day period.
• Apply via: Internet Banking → Quick Loan → Salary Advance → New Request (GTBank, GTBank, GTBank, GTBank)

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4. School Fees Advance

• Eligibility: GTBank salary account; employer domiciled with bank.
• Loan Amount: Up to 3 times term school fees; limit varies, but generally up to ₦5 million.
• Tenor: Up to 4 months per academic session.
• Moratorium: N/A.
• Repayment: Monthly instalments.
• Apply via: GTBank Help Centre → Loans → School Fees Advance

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5. MaxAdvance

• Eligibility: Staff of approved public/private organizations with salary domiciled in GTBank (GTBank, GTBank).
• Loan Amount: ₦100,000 – ₦10,000,000.
• Tenor: 3–48 months.
• Moratorium: No standard moratorium.
• Repayment: Equal monthly instalments; monthly repayment capped at 33.3% of net salary (GTBank).
• Documents: Application form + employee undertaking (salary domiciliation + terminal benefits/corporate guarantee).
• Apply via: GTBank branch → MaxAdvance (GTBank)

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6. MaxPlus (Platinum Staff Loan)

• Eligibility: GTBank Platinum salary account (annual net ≥ ₦20 million) domiciled with bank (GTBank, GTBank).
• Loan Amount: ₦6,000,000 – ₦50,000,000.
• Tenor: 3–60 months (GTBank).
• Moratorium: Not standard.
• Repayment: Equal monthly instalments; not to exceed 50% of net salary (MarketScreener).
• Documents: MaxPlus application and employee undertaking forms.
• Apply via: GTBank branch → MaxPlus (GTBank)

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7. GTMortgage (Home Loan)

• Eligibility: Salaried/business customer with domicile or account at GTBank; property in approved locations (GTBank).
• Loan Amount: ₦5,000,000 – ₦150,000,000 (Category A: prime cities; Category B: others) (GTBank).
• Tenor: 1–20 years (must be ≤ 55 yrs old at maturity) (GTBank).
• Moratorium: Possibly negotiable during construction delays; interest accrues (GTBank).
• Repayment Options:
  • Equal monthly principal + interest, or
  • Monthly interest + periodic principal (annual, quarterly, etc.); total ≤ 50% net salary (GTBank).
• Documents: Application, title deed, vendor offer, valuation, legal search report, employer undertaking.
• Apply via: GTBank branch → GTMortgage (GTBank)

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8. Computer Acquisition Scheme

• Eligibility: NYSC members with allowance domiciled in GTBank.
• Loan Amount: Typically up to ₦60,000.
• Tenor: Within service year (3–10 months).
• Moratorium: N/A.
• Repayment: Equal monthly instalments.
• Apply via: GTBank Help Centre → Computer Acquisition Scheme

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9. Premium Advance (Overdraft)

• Eligibility: GTBank Platinum salary account holders.
• Facility: Overdraft up to ₦1,000,000 on MasterCard.
• Tenor: 12 months (renewable).
• Moratorium: Overdraft; interest and fees apply; repay monthly.
• Apply via: GTBank Help Centre → Premium Advance

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📊 Summary Table

Product	Max Amount	Tenor	Monthly Repayment Cap	Moratorium	How to Apply
QuickCredit	₦5M	≤ 12 mo	Equal instalments	No, except COVID‑19 cases	USSD *737*51*51#, GTWorld, Internet Banking
QuickCredit (SME)	₦10M	6–12 mo	Interest + quarterly/principal	COVID‑19 relief (2020)	GAPs / GAPsLite → Loans
Salary Advance	50% salary	30 days	Full on maturity	No	Internet Banking → Quick Loan
School Fees Advance	Approx ₦5 M	Up to 4 mo	Equal monthly instalments	No	Loans → School Fees Advance
MaxAdvance	₦10M	3–48 mo	≤ 33.3% salary	No	GTBank branch → MaxAdvance
MaxPlus	₦50M	3–60 mo	≤ 50% salary	No	GTBank branch → MaxPlus
GTMortgage	₦150M	1–20 yrs	≤ 50% salary	Negotiable (construction)	GTBank branch → GTMortgage
Computer Acquisition Scheme	₦60K	3–10 mo	Equal monthly instalments	No	Loans → Computer Acquisition Scheme
Premium Advance	₦1M OD	12 mo OD	Monthly interest + fee	No	Loans → Premium Advance

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🔗 Application Links

• QuickCredit: GTBank Personal Loans → QuickCredit (GTBank, GTBank, GTBank, GTBank, GTBank, GTBank, GTBank, GTBank, GTBank)
• QuickCredit SME: Business Banking → SME Loans → QuickCredit (GTBank)
• MaxAdvance / MaxPlus / GTMortgage: Personal Banking → Loans & Advances in GTBank Help Centre (GTBank)
• Salary & School Fees Advances: Through Internet Banking / Quick Loan or Help Centre (GTBank)
• Forms Download: GTBank Help Centre (forms for MaxAdvance, MaxPlus, GTMortgage) (GTBank)

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✅ Final Tips

• Read terms and interest rates carefully before applying.
• Moratoriums are not standard, but were offered temporarily during the COVID‑19 pandemic for affected SMEs.
• Repayment caps (33%, 50%) protect your cash flow—stay within these limits.
• Always use official GTBank channels or visit a branch to apply.

Here are the direct official links to apply or learn more about each GTBank loan:

1. QuickCredit
   🔗 https://www.gtbank.com/personal-banking/loans/quick-credit
2. QuickCredit for Small Business (SMEs)
   🔗 https://www.gtbank.com/business-banking/sme-banking/loans-advances/quickcredit-for-small-business
3. Salary Advance
   🔗 https://www.gtbank.com/personal-banking/loans/salary-advance
4. School Fees Advance
   🔗 https://www.gtbank.com/personal-banking/loans
5. MaxAdvance
   🔗 https://www.gtbank.com/personal-banking/loans/maxadvance
6. MaxPlus
   🔗 https://www.gtbank.com/personal-banking/loans/maxplus
7. GTMortgage (Home Loan)
   🔗 https://www.gtbank.com/personal-banking/loans/gtmortgage
8. Computer Acquisition Scheme (for NYSC)
   🔗 https://www.gtbank.com/help-centre/download-forms
9. Premium Advance
   🔗 https://www.gtbank.com/help-centre

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