Last Updated on November 15, 2025 by admin
Are you staff of private companies or government agencies with active salary accounts domiciled in Guaranty Trust Bank,Are you looking for how to get quick instant loan to upset your emergency bills and you don’t know how to get it?
Gtbank has unveiled Salary in Advance loan which allow customers get funds worth up to three months of their salary at a competitive interest rate of 1.75% per month.
Customers can get Up to 50% of net monthly salary in advance with 30 days duration and it’s Renewable monthly.It doesn’t require any collateral before you can get the credit facility because it’s unsecured instant loan.
However, customer need to earn Minimum salary of N 25,000 for public sector and N 50,000 for private sector employees. The loan package is available within 24 hours.
It is a short term loan for workers who get their monthly pay into a GTBank account. You can get a part of your next salary before payday, use it for urgent needs, then pay it back when your salary drops.
This guide is for workers in Nigeria who bank with Guaranty Trust Bank and want quick cash for bills, emergencies, or small projects. You will see how the loan works, who qualifies, possible costs, how to apply with mobile, USSD, or internet banking, how repayment works, and common mistakes you should avoid.
Read: How to buy Airtime and Data from Ecobank
Features and benefits of Gtbank salary advance loan
GTBank’s Salary Advance Loan allows eligible employees to access up to 50% of their net monthly salary upfront, with no collateral required, a 30-day tenor renewable monthly, and funds disbursed within 24 hours
Features of GTBank Salary Advance Loan
- Loan Amount: Up to 50% of net monthly salary in advance.
- Eligibility: Available to staff of private companies and government agencies with active salary accounts domiciled in GTBank.
- Tenor: 30 days, renewable monthly.
- Collateral: No collateral required.
- Minimum Salary Requirement:
- ₦25,000 for public sector employees
- ₦50,000 for private sector employees
- Disbursement Speed: Loan is made available within 24 hours of application.
- Application Channels:
- GTBank Internet Banking
- USSD (7378*2#)
- Any GTBank branch or ATM
Benefits of GTBank Salary Advance Loan
- Immediate Access to Funds: Helps employees meet urgent financial needs before payday.
- Convenience: Multiple application channels (online, USSD, branch, ATM).
- Flexibility: Renewable monthly, so customers can continue to access funds regularly if needed.
- No Collateral Stress: Unlike traditional loans, you don’t need assets or guarantors.
- Quick Relief for Emergencies: Ideal for unexpected expenses such as medical bills, school fees, or urgent purchases.
- Inclusive: Designed for both public and private sector workers, making it widely accessible.
Read: How to transfer money from ecobank & buy airtime and data
Who is eligible for GTBank Salary Advance Loan?
GTBank Salary Advance Loan is available to employees of private companies and government agencies who have their salary accounts domiciled with GTBank. Public sector workers must earn at least ₦25,000 monthly, while private sector workers must earn at least ₦50,000 monthly
- You are a confirmed salary earner.
- Your salary is paid regularly into a GTBank account.
- You meet a minimum monthly salary amount, set by the bank.
- You have received salary for a set number of months, often three to six months, with a steady pattern.
- You have no major unpaid debt with GTBank that is past due.
- Your account is active and not under restriction or investigation.
Both public sector and private sector workers may qualify, as long as they meet the bank’s conditions and their employers are acceptable to the bank.
If you are not sure you qualify, you can check your eligibility on the app, internet banking, or in a GTBank branch.
How to Apply for GTBank Salary Advance Loan Step by Step
You can request the GTBank Salary Advance Loan using your phone, computer, or by going to a branch. The process is usually quick and simple if you already receive your salary with GTBank.
Getting ready: checks before you request the loan
Before you tap any button, do a quick personal check:
- Make sure your salary goes into a GTBank account in your name.
- Your account should be active and not restricted. Fix any issues before you apply.
- Your BVN and personal details like address and ID should be correct and up to date.
- If you have unpaid GTBank loans or serious issues, it may affect approval.
- In the app or internet banking, you may see how much you can access.
- Check current interest rates and charges, since they can change.
- Only borrow what you can comfortably repay when your next salary comes in.
A few minutes of planning can save you from tight cash flow at the end of the month.
Read: How to check Ecobank Account balance and transfer money
If you have a smartphone, the GTWorld or GTBank mobile app is often the easiest route.
A typical flow looks like this:
- Log in to the GTWorld or GTBank mobile app with your user ID and password or biometrics.
- Go to the Loans section or look for Salary Advance or Quick Loans.
- View your eligible amount if it is shown.
- Enter the amount you want to borrow, within your limit.
- Read the terms and conditions, interest rate, tenure, and fees.
- Confirm the request with your transaction PIN, token, or one time password.
- Wait for the response on the app screen.
If everything is fine, approval can be instant and the money will show in your salary account. You can then transfer or withdraw it as normal.
On GTBank internet banking through a web browser, the steps are similar. Log in, go to the loans or salary advance section, choose the product, enter the amount, accept the terms, then confirm with your token.
How to apply with GTBank USSD code on any mobile phone
If you do not have a smartphone or data, USSD is a handy option.
USSD loans use short service codes you dial on your phone. For GTBank, you typically:
- Dial the main code, for example *737*8*2#, from the phone number linked to your GTBank account.
- Select the Loans or Salary Advance option from the menu.
- Follow the prompts to see your eligible amount and enter how much you want.
- Confirm the interest, fees, and tenure shown on your screen.
- Enter your USSD PIN to complete the request.
The money, if approved, is sent to your GTBank salary account.
Always check the details on the screen before you enter your PIN, and never share your PIN with anyone.
Approval time, disbursement, and what happens next
For many customers who meet all conditions, approval is very fast. In some cases, funds appear in the account within minutes.
- Once you apply (via USSD, Internet Banking, ATM, or branch), GTBank typically approves within 24 hours.
- The bank verifies your salary inflows and eligibility (minimum salary requirement, active salary account, etc.).
If your request is not approved, you may see a message that explains the issue. The bank may ask you to visit a branch, contact customer care, or wait for a while before trying again.
Once the loan or overdraft is active:
- You should see it in your account statement or on the loans section in the app.
- Your available balance might look higher than your real cash because of the overdraft.
- On your next salary date, GTBank will debit the loan amount, interest, and fees automatically from the salary credit.
Keep an eye on your salary and account balance so you are not caught off guard.
As a non-salary earner you can apply for the QuickCredit for as long as you are earning a minimum of 10,000 Naira — 5 million Naira every month.
Conclusion
The GTBank Salary Advance Loan gives Nigerian salary earners a way to pull part of their next salary forward when cash is tight. It is built for people who receive regular pay in a GTBank account and need quick, short term help for real needs.
The main benefits are speed, ease, and simple repayment from your next salary. The main risks are the cost of interest and fees, the chance of salary delay, and the habit of over borrowing month after month.
Before you apply, check current rates and terms on official GTBank channels, look at your budget, and decide how much you can repay without strain. Borrow only what you truly need, use it for important expenses, and plan how you will avoid using it every month.
Take a few minutes today to review your income, savings, and backup options, then decide if a salary advance is the right tool for your current situation.
