If you’re searching for a GTBank loan, you’re most likely trying to access either QuickCredit (a personal loan with up to 12 months repayment) or Salary Advance (up to 50% of your net monthly salary upfront for 30 days). The quickest way to apply is through *737#, GTBank’s USSD banking service.
This guide shows you exactly how to apply for a GTBank loan, the correct codes to dial, who qualifies, what fees to expect, how repayment works, and what to do if your request is declined.
Table of Contents
GTBank USSD codes (QuickCredit and Salary Advance)
These are the key codes you need for a GTBank loan:
- QuickCredit loan code:
*737*51*51# - Salary Advance code:
*737*8*2# - Create/Reset your 737 PIN (required for transactions):
*737*5#
If your 737 PIN is not set, you may not be able to complete the loan request even when you’re eligible.
How to apply for GTBank QuickCredit loan (*737*51*51#)
QuickCredit is a GTBank loan designed for eligible salary account holders. On GTBank’s QuickCredit page, the bank states QuickCredit can be accessed up to ₦5,000,000 with repayment of up to 12 months, with an interest rate listed as 2.95% per month and a one-off credit insurance fee of 1% (your final offer still depends on your profile).
Related: Access Bank Loan: How to Borrow Money
Step-by-step: Apply for QuickCredit using USSD
- Dial
*737*51*51#on the phone number linked to your GTBank account. - Follow the prompt to view your eligible amount (or input a smaller amount if allowed).
- Select your preferred repayment option (as displayed on your screen).
- Confirm the repayment terms and accept.
- Enter your 737 PIN to submit your request.
If you prefer app-based borrowing, QuickCredit is also available on GTBank’s digital banking platforms. You can learn more or start from here: GTBank QuickCredit.
GTBank QuickCredit requirements (who is eligible?)
Eligibility for a GTBank loan is determined by internal checks. For QuickCredit, GTBank lists key conditions such as consistent salary inflows, minimum monthly lodgement thresholds, and a clean credit profile. In simple terms, QuickCredit works best if:
- Your salary has been landing consistently in your GTBank account for months
- Your account inflows are stable (not random one-off transfers)
- You don’t have unresolved obligations that affect your credit standing
QuickCredit range (as GTBank lists it): minimum ₦5,000; maximum ₦5,000,000; repayment up to 12 months. Your available offer depends on your profile.
How to apply for GTBank Salary Advance (*737*8*2#)
Salary Advance is a short-term GTBank loan that gives eligible salary earners up to 50% of net monthly salary upfront. GTBank states the loan has a 30-day tenor and can be renewed monthly if you remain eligible.
Related: How to Apply for FairMoney Loan in 2026
Step-by-step: Apply for Salary Advance using USSD
- Dial
*737*8*2#. - Enter the amount you want (within what you qualify for).
- Enter your 737 PIN to confirm.
- Wait for confirmation and disbursement update.
If you want the official product page to confirm terms or use an online channel, start here: GTBank Salary Advance.
GTBank Salary Advance requirements (minimum salary and key terms)
GTBank states Salary Advance is available to salary earners with salary accounts domiciled in the bank. The bank also lists minimum salary thresholds and standard terms such as:
- Up to 50% of net monthly salary
- Tenor: 30 days (renewable monthly)
- Minimum salary: GTBank lists thresholds for public vs private sector customers on the product page
GTBank’s page also shows example pricing items like interest rate and flat fees. Always confirm the exact figures displayed in your offer screen before you accept.
Which GTBank loan should you choose?
- Choose Salary Advance if you want a short-term salary top-up you’ll repay within 30 days.
- Choose QuickCredit if you want a bigger amount with repayment spread across months (up to 12 months, depending on your offer).
Related: Borrow Money from Opay: Full Loan Guide & Interest Rates
How GTBank loan repayment works (avoid penalties)
Repayment is tied to the schedule you accept. To avoid issues:
- Keep funds in your account before your due date.
- Don’t stack multiple loans if repayment will strain your income.
- If you’re trying to liquidate or repay early, use the options available on GTBank’s digital platforms (USSD/app) where applicable.
Why your GTBank loan may be declined (and how to fix it)
If you dial the GTBank loan code and you don’t see an offer, these are common reasons:
- Your salary inflows are not consistent enough (or not domiciled in GTBank for salary-based offers).
- Your account does not meet the bank’s minimum inflow/eligibility checks.
- Existing obligations reduce your affordability.
- You’re using a phone number not linked to your GTBank account.
Fast fixes that improve your chances
- Try a smaller amount first.
- Ensure salary is paid consistently into your GTBank account for a few months.
- Reduce outstanding loan exposure before re-applying.
- If USSD is failing due to network/session issues, apply via GTBank’s online platforms.
FAQs
What is the GTBank QuickCredit code?
The GTBank QuickCredit loan code is *737*51*51#.
What is the GTBank Salary Advance code?
The GTBank Salary Advance code is *737*8*2#.
How do I create my GTBank 737 PIN?
Dial *737*5# and follow the prompts.
How much can I borrow from GTBank QuickCredit?
GTBank lists QuickCredit from ₦5,000 up to ₦5,000,000 depending on eligibility and offer limits.