GTBank Salary Advance loan code, qualify and interest rate

GTBank Salary Advance Loan 2023: How to Qualify, Apply Code & Interest Rate

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As a salary earner, do you want to know how to borrow quick money from GTBank? This post covers everything on how you can qualify to apply for GTBank Salary Advance loan using USSD code, mobile app and internet banking.

To borrow money from GTBank as a salary earner, dial this salary advance loan code *737*8*2#. You get up to 50% monthly salary net or at a 1.5% interest rate monthly without collateral and pay this soft loan back within 30 days. To qualify, you must have an active salary account. If eligible, quickly apply for the loan with a phone number linked to your BVN and bank account – Mtn, Glo, Airtel or 9 Mobile.

So, in this post, I walk you through the process of the GTB Salary Advance loan

Let’s start.

GTB Salary Advance Loan

The GTBank salary advance loan for salary earners to borrow quick money from GTBank and repay within 30 days. Whether you are an employee in a public or private sector, you are eligible to get this payday loan without giving any collateral or documentation at 1.5% interest monthly.

To get the salary advance loan from GTBank, it is required your minimum monthly salary must be ₦25,000 as a public employee or ₦50,000 as a private employee. Thereafter, you are qualified to borrow up to 50% of your monthly salary. The loan is disbursed within 24 hours of application and pay it back in 30 days with monthly renewal if you want.

To apply for the GTBank salary advance loan, dial the USSD code *737*8*2# on your registered phone line (Mtn, Glo, Airtel and 9 Mobile). Alternatively, you can apply through GTB mobile app, internet banking, any GTBank branch or ATM

How to Borrow Salary Advance Loan from GTBank Using USSD Code

It is easy to apply and get a GTBank salary advance loan without collateral. Below are the required steps to borrow the money using the USSD loan code:

  • Dial *737*8*2# on your GTBank registered phone line. Mtn, Glo, Airtel or 9 Mobile
  • Then, follow the on-screen instruction
  • Enter your desired loan amount
  • Enter your 4-digit GTBank USSD PIN
  • Receive your salary advance loan credited to your account

GTBank Salary Advance Loan Terms and Conditions

To borrow this quick money, you must be eligible. Below are the requirements to qualify for a GTBank salary advance or payday loan:

  • Be a salary earner with a GTBank salary account
  • Minimum salary of ₦25,000 as a public employee or ₦50,000 as a private employee.
  • Good credit report
  • No unpaid loan
  • Be between 18 – 59 years old.
  • Apply with a phone number linked to your BVN and bank account. Mtn, Glo, Airtel or 9 Mobile.
  • You can also apply on GTBank mobile app and internet banking.

Once you meet these terms and conditions, apply for this GTBank soft loan and get it fast.

GT Salary Advance loan requirement

How much GTB Salary Advance Loan can you Borrow

For the salary advance loan, GTBank can borrow you a maximum of 50% of your monthly salary as a salary earner.

What is the Duration of the Salary Advance Loan?

The duration of GTB salary advance loan repayment is 30 days when you apply using the USSD code, mobile app or internet banking after it is approved and disbursed. However, you can renew the loan monthly

What is Salary Advance Loan Interest rate?

The interest rate of the GTBank salary advance loan is 1.5% monthly of the money you borrow. That is, if you get a loan of 100,000 Naira, you would pay back the interest of 1500 Naira in 30 days’ time.

How to Apply for GTBank Salary Advance on GT Mobile App

Apart from using the USSD code, you can use GT mobile app to borrow money from GTBank. Below are the required steps to apply for and get the Salary Advance loan.

  1. Open GTBank mobile app and enter your login details
  2. Tap the Options icon and tap Quick Loans
  3. Tap Quick Credit
  4. Enter the loan amount and select Loan tenor
  5. Enter your Transaction PIN or password
  6. Agree on the Terms and Conditions and tap Accept Now
  7. Your Salary Advance loan will be processed within 24 hours.
How to apply for Salary Advance loan on GTBank mobile app

How to Apply for GTB Salary Advance using Internet Banking

Another way to borrow this quick money from GTBank is through internet banking. Below are the required steps to apply for and get the Salary Advance loan.

  1. Login to GTBank internet banking and enter your login details
  2. Click the Navigation icon and click Quick Loans
  3. Click Quick Credit and click New Request
  4. Select Account to credit and click on Determine Eligibility
  5. Enter the loan amount and choose Loan Tenor
  6. Agree on the Terms and Conditions
  7. Answer your secret Question and click Continue
  8. Enter your token code
  9. Your Salary Advance loan will be processed within 24 hours.
How to apply for Salary advance loan on GTBank internet banking

How to Pay Back GTB Salary Advance Loan

To pay back your Salary Advance loan as a salary earner, you just have to receive your monthly salary and GTBank will deduct the loan from your account or credit your account before the due date. If you could not clear your outstanding loan, you can renew it or deposit the remaining balance into your account.

Alternatives GTBank Loan

Apart from the Salary Advance loan, GTB still has other types of loans you can borrow money from. Below are some alternatives loans you can get.

  • Quick Credit Loan
  • GTBank Max Advance Loan
  • Mortgage Loan
  • GTbank Max Plus Loan
  • GTBank School Fees Advance


Finally, I hope you now know about the GTB salary advance loan, its requirements and how to qualify to apply for this instant and soft loan.

You can also check my previous post on the Quick Credit loan if want to get more money from GTBank with a longer repayment duration.

And if you are not qualified for the GTBank loan, consider Kuda loan or Branch loan.

Therefore, try it and let me know your experience.

Also, leave a message in the comment section below.


  1. Augusta idiaghe on March 17, 2023 at 11:45 pm

    Hello my salary account is my gtb account but I can’t get access to salary advance

    • admin on March 18, 2023 at 9:48 pm

      Try accessing it through the internet banking
      Or any GTbank ATM
      If these option did not work, contact Gtbank customer care to know why.

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