GTBank’s Quick Credit loan is designed for salary earners who want flexible and fast access to funds. Borrowers can get from N5,000 up to N5 million instantly at a competitive interest rate of just 2.95% per month. Repayment is spread over 12 months, with the advantage of early repayment allowed without any penalties. To qualify, you need a salary account, consistent pay for six months, and a minimum net monthly salary of N30,000.

How to Apply for GTBank Quick Credit

Applying for Quick Credit is easy and seamless. First, you need to be an active GTBank salary account holder for at least six months.

Next, make sure you have no outstanding obligations or history of dud cheques, and your credit report must be clean.

Log in to GTWorld, GTBank Internet Banking, or use the USSD code *737*51*51# directly from your phone.

Follow the on-screen prompts to request your desired loan amount and submit your application.

After approval, the loan is disbursed instantly to your account, so you can use the funds straight away.

Quick Credit Pros

Quick disbursement is a major plus: you receive approved funds in your account within minutes of application.

The repayment is straightforward with no penalties for early settlement, giving borrowers financial flexibility.

Quick Credit Cons

The monthly interest rate of 2.95% might be high compared to some alternatives, and missing payments can result in extra fees.

Borrowers with poor credit history or those with existing obligations may not be eligible for this loan offer.

Overall Verdict

GTBank’s Quick Credit is a solid loan option for reliable salary earners seeking swift funding with a clear repayment plan. As always, read all conditions and ensure timely repayments to maximise the benefits and avoid added costs.