GTBank’s QuickCredit is a personal loan offer designed especially for salary earners in Nigeria looking for quick access to cash. The main highlight is its instant disbursement—borrowers can receive up to ₦5,000,000 almost instantly after approval. The interest rate stands at 2.95% per month, and repayments can be stretched over a convenient 12-month period, making it easy to manage.

To qualify, applicants must have a consistent salary income for at least six months, a minimum net monthly salary of ₦30,000, and a history free of unpaid obligations or dud cheques. QuickCredit is accessible from the GTWorld app, Internet Banking, or via USSD, making the application process very straightforward and fast.

How to Apply for QuickCredit

• Ensure your salary is domiciled with GTBank and meets the minimum required criteria
• Log in to the GTWorld app, GTBank Internet banking, or dial *737*51*51# to begin the application
• Fill in the loan request and follow instructions
• Review and accept the terms and conditions
• Get funds in your account almost immediately after successful approval

Pros of GTBank QuickCredit

One big advantage of QuickCredit is the speed of access. Funds are credited instantly, which is helpful for emergencies or urgent bills. The interest rate of 2.95% is also competitive in the Nigerian market.

There are no penalties for early repayment (pre-liquidation), so borrowers can clear their loans before the end of the term without extra charges. It is transparent and easy to manage.

Cons of GTBank QuickCredit

Strict eligibility requirements mean that not everyone will qualify, especially if your salary account does not meet the minimum for six consecutive months.

Also, a credit insurance fee applies, and having existing obligations with other banks may complicate your application process or restrict your total eligible amount.

Nosso veredicto

GTBank QuickCredit stands out for its accessibility and fast processing, making it excellent for urgent cash needs if you’re a salaried worker. However, make sure you meet the eligibility requirements for the smoothest experience.