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GTBank Quick Credit is a loan product offered by Guaranty Trust Bank (GTBank), one of the leading financial institutions in Nigeria. This innovative lending solution gives customers easy access to instant loans, allowing them to meet their financial needs conveniently and efficiently.
In this article, we will explore the features of GTBank Quick Credit, the application process, and its benefits, and answer frequently asked questions.
Overview of Quick Credit
GTBank Quick Credit is a payday loan offered by Guaranty Trust Bank (GTBank) to both salary and non-salary account holders. This loan facility provides quick and convenient access to funds for various financial needs.
GTBank Quick Credit is available to salary and non-salary account holders who meet specific criteria. Employees with salary accounts in GTBank can apply for Quick Credit, with loan amounts ranging from a minimum of N10,000 to a maximum of 5 million Naira.
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Customers who do not have a salary account with GTBank can also access Quick Credit, with loan amounts ranging from a minimum of N10,000 to a maximum of N500,000.
Benefits of Quick Credit
GTBank Quick Credit offers several benefits to borrowers:
Quick Disbursement: Once the loan is approved, funds are disbursed swiftly to the borrower’s GTBank account, ensuring immediate access to the required funds.
Convenient Repayment Options: Borrowers can choose from various repayment options, including salary deductions, direct debits, or manual payments at GTBank branches.
Competitive Interest Rates: Quick Credit loans come with a competitive interest rate of 2.0% per month (approximately 24.0% per annum), making it affordable and manageable for borrowers.
No Collateral Requirement: GTBank Quick Credit is an unsecured loan facility, eliminating the need for collateral and simplifying the application process.
Financial Empowerment: Quick Credit empowers borrowers by providing access to funds for emergencies, personal projects, or other financial needs, enhancing their financial well-being.
Features of Quick Credit
GTBank Quick Credit comes with several key features that make it an attractive loan option for customers:
Loan Amount: Customers can borrow up to N500,000, depending on their eligibility and creditworthiness.
Repayment Tenure: The loan comes with a flexible repayment period ranging from 30 days to 12 months, allowing customers to choose a tenure that suits their financial situation.
Requirements
To qualify for GTB Quick credit, you must meet these four requirements:
- The customer must not have any history of dud cheques.
- Customers must have satisfactory credit reports.
- Customers must maintain a minimum monthly lodgement of N20,000 or earn a minimum net monthly salary of N10,000.
- The customer must not have any unpaid obligations.
Application Process
Applying for GTBank Quick Credit is a straightforward process that can be done through various channels:
GTBank Mobile App: Eligible customers can apply for Quick Credit through the GTBank mobile app, which offers a user-friendly interface and step-by-step instructions.
Internet Banking: Quick Credit can also be accessed through GTBank’s Internet banking platform, providing convenience and accessibility to customers.
USSD Code: Customers apply for Quick Credit through the USSD code by dialing *737*51*51#.
How to Apply for Quick Credit Loan
You can apply for a Quick Credit loan through GTBank Mobile App, GTBank Internet Banking, or USSD Code.
GTBank Mobile App
- Download and install the GTBank Mobile App from your device’s app store.
- Launch the app and log in using your GTBank account credentials.
- Navigate to the “Loans” or “Quick Credit” section within the app.
- Follow the prompts and provide the required information, such as your loan amount, repayment tenure, and personal details.
- Review the loan terms and conditions, and accept them.
- Submit your loan application and wait for the bank’s response.
GTBank Internet Banking
- Visit the GTBank Internet banking platform through the bank’s official website.
- Log in using your GTBank account credentials.
- Locate the “Loans” or “Quick Credit” section within the internet banking platform.
- Fill out the loan application form, providing accurate information about your loan requirements and personal details.
- Review the loan terms and conditions, and accept them.
- Submit your loan application online.
Gtbank Quick Credit Loan USSD Code
You can apply by dialing *737*51*51# and following the prompts to request your loan amount. You can also pay back your loan using the USSD Code. It is the fastest and most convenient way to request and repay a Quick Credit loan.
How to Download GTBank Quick Credit Loan App
To download the Quick Credit loan app from GTBank, follow these steps:
- Visit the official app store on your mobile device. If you have an Android device, go to the Google Play Store. If you have an iPhone, go to the App Store.
- In the app store’s search bar, type “GTBank” or “GTBank Mobile App” and press enter.
- Look for the official GTBank Mobile App among the search results and click on it.
- Check the app details and reviews to ensure you selected the correct app.
- Click the “Install” or “Get” button to download and install the GTBank Mobile App.
- Wait for the app to finish downloading and installing on your device.
- Once the app is installed, locate the GTBank Mobile App icon on your device’s home screen or in the app drawer and tap on it to launch it.
- Log in to the GTBank Mobile App using your GTBank account credentials. If you don’t have an account, you must register for one first.
- Once logged in, navigate to the loan section or search for “Quick Credit” within the app.
Gtbank Quick Credit Loan Customer Care Service number and Info
Head Office: Plot 635, Akin Adesola
Victoria Island, Lagos.
Email: [email protected]
Tel: +234 1 2715227
Frequently Asked Questions
How long does it take Quick Credit to Approve a Loan?
It takes 5 minutes to get approval for your loan.
Is Quick Credit only for Salary Earners?
No. Quick Credit loan is available for both salary and non-salary account holders.
Is Quick Credit Loan App Real or Fake?
No. The quick Credit loan app is not a scam but real and legit.
Can I Apply for Quick Credit if I am not a GTBank Customer?
No. You must be a GTB customer with an active account to qualify for a Quick Credit loan.
Is there a Minimum and Maximum Age for Eligibility?
Yes, the applicant must not be under 18 years at the loan application date and should not be older than 59 years at the loan maturity date.
Bottom Line
GTBank Quick Credit provides a convenient and efficient solution for individuals needing instant loans. Its attractive features, simple application process, and competitive interest rates offer a reliable financial tool to meet various personal and business needs.
Whether for emergency expenses, education, or business growth, GTBank Quick Credit is designed to empower customers with quick access to funds.
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