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GTBank QuickCredit
Instant loans up to N5million with up to 12 months repayment. Simple conditions, 2.95% monthly interest and quick approval for salary earners.
GTBank’s QuickCredit provides salary earners in Nigeria with instant access to funds that can help bridge financial gaps or handle unexpected expenses efficiently. The highlight of this loan offer is a generous credit limit of up to N5million, with a simple application process and flexible repayment spanning up to 12 months. At a competitive monthly interest rate of 2.95% and a one-time credit insurance fee of 1%, QuickCredit stands out among short-term loan offers for its convenience, speed, and affordability.
How to Apply for GTBank QuickCredit
- Confirm your eligibility by ensuring your salary is paid to a GTBank account and you have no past-due obligations.
- Access the QuickCredit feature through the GTWorld app, GTBank Internet Banking, or by dialing the official USSD code.
- Enter your loan amount (between N5,000 and N5million) and preferred repayment duration (up to 12 months).
- Submit your application and review the loan terms displayed.
- Upon approval, the funds are instantly credited to your account for immediate use.
Pros of GTBank QuickCredit
QuickCredit is highly praised for its rapid loan disbursement—approved applicants receive funds immediately, with no tedious paperwork.
The interest rate of 2.95% per month is competitive compared to similar short-term loans in Nigeria, making it affordable for most salary earners.
Another major plus is the flexible repayment plans, which can be customized up to 12 months, allowing borrowers to select what works best for their finances.
Cons of GTBank QuickCredit
One of the limitations of QuickCredit is that it’s only available to salary earners whose salaries are domiciled with GTBank, possibly excluding freelancers or business owners.
The maximum age limit at loan maturity (59 years) and the need for a clean credit history may make it difficult for some individuals to qualify.
Our Verdict on GTBank QuickCredit
GTBank QuickCredit is a strong option for structured salaried individuals seeking up to N5million quickly, with reasonable costs and minimal fuss. It succeeds with a seamless application process and flexible repayments.
However, for those lacking a consistent salary through GTBank or those with complex credit histories, QuickCredit may not be the right fit. Nevertheless, for eligible applicants, it delivers speed and value.
