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Home >> Tips >> How to get Salary advance from GT Bank Using USSD

How to get Salary advance from GT Bank Using USSD

Last updated on November 6, 2018 By Editor 105 Comments

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How to get Salary advance from GT Bank Using USSD. Guaranty Trust Bank Salary Advance using USSD Code and without internet on Your Mobile Phone

GTBank

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  • Requirement and Eligibility for GTBank Salary Advance
  • How to Get Salary Advance Using USSD
  • How to Check Loan Balance

Requirement and Eligibility for GTBank Salary Advance

  • You must have your salary account with Guaranty Trust Bank (GTBank)
  • Minimum monthly salary for an employee in the public sector (Government) must be 25, 000 Naira.
  • Minimum monthly salary for an employee in the private sector must be 50, 000 Naira
  • The maximum amount you can lend must not exceed your salary in addition to 50% of your salary. For example, If you earn 100,000 Naira monthly, You can only lend a maximum of 150,000 Naira
    Maximum payback time is One Year (365 Days).
  • Reserved interest rate chargeable on the Borrower’s account shall be the Bank’s prime lending rate from time to time.
  • Interest will be charged on all amounts owed by borrower

The salary advance provides you with up to 50% of your monthly salary as an advance to meet your urgent financial needs. The processes listed below will guide you on How to salary advance of up to 50% of your monthly salary to GT Bank account Using USSD Code :

How to Get Salary Advance Using USSD

Dial *737#, then press 10 to go to the next page, then press 3 for salary advance,  then follow other instructions made available to you.

How to Check Loan Balance

Dial *737#, then press 10 to go to the next page, then press 4 for Loan balance,  then follow other instructions made available to you.

Hope with this, you have learnt How to get Salary advance from GT Bank Using USSD Using USSD Code with any phone.
Please share and like below, also comment below for any problem faced or encountered.

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Reader Interactions

Comments

  1. Nonso says

    January 30, 2019 at 10:11 am

    I applied for it but it’s telling me the amount I requested is higher than my eligible amount of 0 naira, Why? I also checked the requirements, I’m eligible.. My colleagues also use them and it’s not saying the same thing why is my own different

    Reply
    • Editor says

      February 2, 2019 at 5:22 am

      Please visit a branch (Customer care) close to you and they will proffer a quick and fast solution to your problem.

      Reply
  2. Edeh tochukwu says

    January 25, 2019 at 4:46 pm

    I applied for a salary advance of#17000 while I was still having #16900,I was credited the #17000- some accrued interest and then checked my balance only to see #17900,what happened to my former balanc

    Reply
  3. Ekundayo kayode says

    January 15, 2019 at 1:36 am

    How many times can someone apply for salary advance ,can he apply for salary advance more than twice is it possible.

    Reply
  4. BARILUGBENE SORNATEE says

    January 4, 2019 at 8:01 am

    I HAVE APPLIED FOR SALARY ADVANCE BUT I WAS DENIED.

    Reply
    • Editor says

      January 4, 2019 at 8:20 am

      You might not meet the minimum requirement set by the bank, you could check the minimum requirement above, if you meet it, you could contact the customer care of the bank and it might be resolved. Thanks

      Reply
  5. Saidu A. Z. says

    December 11, 2018 at 1:33 am

    I applied for salary advance several times and i got it.
    But this month i was denied. Why?

    Reply
  6. Comfort says

    November 19, 2018 at 11:50 am

    I applied for salary advance and it say limit already exist on your account. Please what does that mean.

    Reply
    • Editor says

      November 19, 2018 at 5:05 pm

      Have collected or used the salary advance feature before?

      Reply
  7. Segun says

    November 6, 2018 at 9:06 am

    I have also used that service a month back and I have paid the repayment from my acct,but when I tried the second time to get the advance again it gave me a null message

    Reply
    • Editor says

      November 6, 2018 at 10:31 am

      Please contact bank customer care for a quick fix.

      Reply
  8. Asiughu Godspower says

    November 4, 2018 at 2:18 pm

    I riquested for salary advance after paying d one that was given to me but it couldn’t work it’s telling me dat me eligible amount is 0 niara I just wish to know y

    Reply
    • Editor says

      November 4, 2018 at 2:57 pm

      Please contact bank customer care for a quick fix.

      Reply
  9. Yunusa says

    October 19, 2018 at 12:10 pm

    What’s the process of payback of salary advance?

    Reply
    • Editor says

      October 24, 2018 at 7:05 am

      It will be removed as your salary is been paid.

      Reply
  10. Yunusa says

    October 19, 2018 at 11:40 am

    I want to know the process of salary advance payback. I can it be done via mobile phone like the request process?
    I need urgent reply please

    Reply
    • Editor says

      October 24, 2018 at 7:06 am

      It will be removed as your salary is been paid.

      Reply
  11. Boluwatife says

    October 11, 2018 at 6:59 am

    I applied for the Gtb salary advance loan of N15000 as was granted immediately. please, what is the interest rate for repayment and the total amount to be repaid at the end of the month?

    Reply
    • Editor says

      October 11, 2018 at 10:34 pm

      It depends on the present rate of GTB interest rate. It depends on the prime interest rate.

      Reply
  12. Banke says

    October 2, 2018 at 9:13 pm

    Please what is the interest because you bank will lure customer into it and be cutting their head with ur deduction. So please what is your interest

    Reply
  13. Anonymous says

    September 17, 2018 at 8:36 am

    Pls I Hv been trying to do it bt is saying am nt eligible for it Dat I should go ad use internet banking or visit any branch closed to me ad my salary is 47k

    Reply
    • Editor says

      September 17, 2018 at 11:29 am

      Please do you have a salary account with GT Bank, and check other criteria like minimum salary requirement.

      Reply
  14. Philomena Luka says

    September 14, 2018 at 11:17 pm

    Please keep it up Gtbank if there is banking in heaven I am
    sure I will definitely use Gtbank love ❤ the way you attend to costumers

    Reply
  15. Jacob Garba says

    September 4, 2018 at 8:13 pm

    I apply for salary advance and 30 naira was debited from my account yet nothing for me why?

    Reply
  16. Ndubueze Cyprian says

    September 4, 2018 at 11:39 am

    I sincerely commend GTBank for this gesture, it has really saved me a lot of times and I am very satisfied with the performance. Thank you.

    Reply
  17. Emmanuel Adesanwo says

    September 3, 2018 at 10:58 am

    pls. I have been trying to get the salary advance loan,but when i enter the code it kept saying NULL. What dose that mean?

    Reply
  18. wunmi says

    August 31, 2018 at 6:35 pm

    I am an entrepreneur with reasonable cash flo, pls how can I get a salary advance loan. Urgent pls.

    Reply
    • editor says

      August 31, 2018 at 7:06 pm

      It is only available for salary earners

      Reply
  19. Hamza Abubakar says

    August 25, 2018 at 9:25 am

    I applied gt bank salary advance, and got it successfully for the first time, I tried several times some day after, they deducted 20 naira as USSD charge but so unfortunately may account remains uncredited, what wrong please gt bnk?

    Reply
  20. abba mustapha says

    August 24, 2018 at 9:38 am

    sir i want to apply salary advance how i will do it

    Reply
  21. Susan says

    August 16, 2018 at 11:14 am

    If you collect less than 50% of salary advance say 20%, can you collect the remaining balance 30% later

    Reply
  22. ILUYEMI TIMIBRA ERNEST says

    August 14, 2018 at 3:54 pm

    Please i want to know the percentage and interest for salary advance

    Reply
  23. Victor says

    August 14, 2018 at 2:02 pm

    i work with a private firm. my basic salary flunctuates between 45,000 and 50,000 but other allowances added exceeds 50,000. My salary account is savings not current. Am i qualified?

    Reply
  24. yusuf manga says

    August 12, 2018 at 9:40 am

    I collected salary advance of 21k nd was deducted from my salary but keep deducting d charges without crediting my account each time I try 2 apply again….what could b d problem?

    Reply
  25. Comfort says

    July 30, 2018 at 8:29 pm

    I took salary advance and I want to take Maxadvance in GTB is it possible?

    Reply
  26. Foluso says

    July 30, 2018 at 3:13 pm

    USSD Salary Advance access charge was removed from my balance without any credit.

    Reply
  27. Uyi Oriakhi says

    July 26, 2018 at 3:17 pm

    Please I will like to know the % rate

    Reply
  28. Jesse Filibus says

    July 20, 2018 at 6:37 pm

    I work with fed govt of nigeria and my salary is above 150,000 naira, I requested for 80,000 I was told that am not eligible for automated salary advance , my account is current that is the one I use in collecting salary, why? What will I do so that I will be eligible?

    Reply
    • editor says

      July 20, 2018 at 9:45 pm

      Please do visit a branch of GTB close to you and the issue will be resolved. Thanks for your patience.

      Reply
  29. james says

    July 4, 2018 at 10:46 am

    Pls I work with a well known federal government firm, and am requesting for salary advance, but I can only be given half of my salary, but the advert says, if u earn 100000, one can apply for half salary join with ur salary, that is a salary earner of 100000, can get,150000 to be paid in 12 months

    Reply
    • editor says

      July 4, 2018 at 1:29 pm

      You might have to visit the bank. From the USSD service, most people get only 50% of their salary. Thanks

      Reply
  30. Amakiri Johnbosco says

    July 3, 2018 at 2:20 pm

    I applied last month and i got it but i have been trying to repay back but i cant

    Reply
    • editor says

      July 3, 2018 at 10:19 pm

      It is suppose to be done automatically, you should visit the bank to resolve the issue. Thanks

      Reply
  31. Abiodun Babatunde says

    June 29, 2018 at 6:14 pm

    My take home is not up to 50k but my total package (gross) is 55,500. Am I eligible for it?

    Reply
  32. Oghenebrume Arthur says

    June 13, 2018 at 11:49 am

    Will I eligible to get a loan since my gtb savings account is link with my salary account in other bank.

    Reply
    • editor says

      June 13, 2018 at 12:38 pm

      The salary account must be in GTB.

      Reply
  33. Afolabi Adeyinka Racheal says

    June 9, 2018 at 9:48 pm

    I requested for 70kand my salary is 50k but I was given only 23,400 why is it like that

    Reply
    • editor says

      June 10, 2018 at 3:01 pm

      Are You a public or private worker?

      Reply
  34. sani says

    June 9, 2018 at 1:13 pm

    I am using saving account as my salary account. How can I access salary advance. Because I try many times without reply

    Reply
    • editor says

      June 9, 2018 at 4:05 pm

      Please contact the bank customer care and you will be setup, if you meet the other criteria.

      Reply
  35. adeyinka says

    June 5, 2018 at 2:04 pm

    the code is not working for me, please I need your help on the salary advance loan

    Reply
    • editor says

      June 5, 2018 at 8:00 pm

      Please if you meet the criteria above and it is still not working, You will need to contact GT Bank customer service.

      Reply
  36. Kenneth Nkwocha says

    June 4, 2018 at 5:19 pm

    I have been using GTB saving account as my salary account. Each time i try applying for salary advance it keeps saying am not eligible. Please what can i do in this case?

    Reply
    • editor says

      June 4, 2018 at 8:31 pm

      Please do check if you meet the criteria stated above. Thanks

      Reply
    • editor says

      June 4, 2018 at 8:44 pm

      Please do contact the customer care or customer service.

      Reply
  37. yusuf says

    June 4, 2018 at 3:58 pm

    I earn 44k as salary does that mean I am not qualified for dis salary advance?

    Reply
    • editor says

      June 4, 2018 at 8:32 pm

      Do you in a private or public sector?
      For private sector, minimum salary 50,000 Naira
      For public sector, minimum salary is 25,000 Naira

      Reply
  38. segun says

    June 4, 2018 at 3:16 pm

    please if I want to pay my loan back at once, how do I go about it? And will I get another loan immediately?

    Reply
    • editor says

      June 4, 2018 at 8:34 pm

      It will be removed automatically as your salary is paid.

      Reply
    • editor says

      June 4, 2018 at 8:46 pm

      Please do contact the customer care or customer service.

      Reply
  39. Tommy Josh says

    June 4, 2018 at 3:13 pm

    I have requested for a salary advance since morning. but till now I have not been credited.. and I am being debited 20 naira.. how does it works..

    Reply
    • editor says

      June 4, 2018 at 8:46 pm

      Please do contact the customer care or customer service.

      Reply
  40. Omoshola says

    June 4, 2018 at 3:10 pm

    Please the new code for salary advance please the *737*8*2# is not going
    Telling me I have a salary advance on my acct and it as been deducted already

    Reply
    • editor says

      June 4, 2018 at 8:47 pm

      That is the code. *737*8*2#, use from phone number you receive alert for your salary. Thanks

      Reply
  41. Daniel says

    June 2, 2018 at 9:12 am

    Please how do i payback

    Reply
    • editor says

      June 3, 2018 at 9:18 pm

      It will be removed from your salary automatically based on the agreement you have signed with GTBank.

      Reply
  42. Xrystal says

    May 17, 2018 at 5:40 pm

    How do u pay back? Can’t find the option anywhere.

    Reply
    • editor says

      May 18, 2018 at 11:18 am

      It is to be removed as your salary is paid.

      Reply
  43. Emeka says

    May 12, 2018 at 7:48 am

    I have a salary acc with GTB, when i apply for salary advance using the ussd, all i got was null. I went to the nearest branch to complain, still d same, help me out

    Reply
    • editor says

      May 13, 2018 at 5:19 pm

      Please contact their customer care, it seems they are having a little bit of issue (NOTE: Provided you meet the require guidelines and rules listed above.)

      Reply
  44. Oluranti says

    May 10, 2018 at 4:47 pm

    I tried to obtain salary advance but it was saying null and also I couldn’t use the app too.

    Reply
  45. Chisom says

    May 5, 2018 at 5:01 pm

    How do I pay back loan? I thought it would be debited the moment I get my salary but it was not.

    Reply
    • editor says

      May 8, 2018 at 5:09 pm

      Please contact the bank

      Reply
  46. OTUYEMI, T. S. says

    May 4, 2018 at 6:47 pm

    Please I requested for a salary advance loan and the reply I got is null. What does that mean?

    Reply
  47. Godwin says

    May 3, 2018 at 11:39 pm

    please, I requested for a salary advance loan but d message I got is null. what does that mean.

    Reply
  48. Module Bunmi Noel-Onukogu says

    April 19, 2018 at 6:16 pm

    Applied for salary advanced, got a cannot be processed message and was still charged #20 why?

    Reply
    • editor says

      April 19, 2018 at 8:13 pm

      Please contact customer care, it seems they are upgrading the service.

      Reply
  49. Kennedy oghenemaro imoniose says

    April 19, 2018 at 8:53 am

    I have a savings account salary account with gtb and often times I had tried to request for salary advance both the used n internet banking but are not working. Please advice

    Reply
    • editor says

      April 19, 2018 at 9:46 am

      It seems the bank is performing an upgrade, please can you contact the customer service in the branch close to you.

      Reply
  50. Sunny says

    April 16, 2018 at 4:34 pm

    I have a salary account with Gtb, and i followed the USSD code for a 50% salary advance but the answer i got is null, what does that mean.

    Reply
    • editor says

      April 16, 2018 at 5:29 pm

      GTB might be upgrading the system, contact the bank’s customer service for advice.

      Reply
  51. sammy says

    April 14, 2018 at 5:29 am

    Editor what is the interest % for salary advance….

    Reply
    • editor says

      April 14, 2018 at 11:50 am

      The interest rate will be between 18% to 25% depending on the Bank’s prime lending rate which changes from time to time.
      You can contact the banks’ customer service for more information.
      Thanks and sorry Sammy for quickly replying.

      Reply
  52. Marvins Daniel says

    April 13, 2018 at 3:17 pm

    they have credited it now

    Reply
  53. Marvins Daniel says

    April 13, 2018 at 12:39 pm

    I Requested for salary and i was debited 20.00 and yet to get the salary through USSD code.Formerly,it used to less dan a minutes.
    what now went rong with GTB

    Reply
    • editor says

      April 13, 2018 at 12:52 pm

      Please be patient, maybe they are performing an upgrade or you could contact their customer service. Thanks

      Reply
  54. yao says

    April 13, 2018 at 2:23 am

    i’am very disapointed of gtbank other bank like sterling bank have a sevice in point for the salary advance why gtbank do this to us

    Reply
    • editor says

      April 13, 2018 at 12:53 pm

      Please be patient, maybe they are performing an upgrade or you could contact their customer service. Thanks

      Reply
  55. Idris says

    April 12, 2018 at 7:59 pm

    what’s the interest rate on the gtb salary advanced loan. pls, explain.

    Reply
  56. kunbi says

    April 4, 2018 at 2:40 pm

    How much interest will I be charged if i apply for 20,000?

    Reply
    • sammy says

      April 14, 2018 at 5:27 am

      Editor pls reply this question

      Reply
  57. Musa says

    April 3, 2018 at 10:45 pm

    I applied for salary advance using the code. They debited N20 from my account yet they haven’t credited me. It’s more than 24 hours now

    Reply
    • editor says

      April 4, 2018 at 8:04 am

      The 20 Naira is for USSD transaction. Please give 48 hours, if you are sure the phone number is connected to your salary account.

      Reply
  58. JAMIU JIMOH says

    April 2, 2018 at 4:16 pm

    SO SOMEONE OPERATING SAVING ACCT. CAN’T REQUEST FOR SALARY ADVANCE?

    Reply
    • editor says

      April 2, 2018 at 5:18 pm

      Yes, except it is a salary earning account.

      Reply
  59. Abbas says

    March 16, 2018 at 2:08 pm

    I applied and got my salary advance within 3minutes.

    Gtb is great!

    Reply
    • Aliu says

      April 11, 2018 at 8:10 pm

      Hw do u apply

      Reply
  60. Abubakar Darda'u says

    December 9, 2017 at 7:26 am

    I’ve learnt that only current account holders are entitled to GT Bank advance salary. Also one cannot get any amount he feels like, it must actually be up to 50% of his salary.

    Reply
    • editor says

      December 9, 2017 at 7:54 am

      Thanks for this feedback Abubakar and for the clarification

      Reply
  61. Solomon David says

    December 8, 2017 at 5:44 pm

    how long will it take before getting the salary advance using USSD code

    Reply
    • editor says

      December 8, 2017 at 8:15 pm

      The Bank will get back to you provided you have a salary account with them.

      Reply
  62. Solomon David says

    December 8, 2017 at 5:42 pm

    I have request for salary advance using the USSD code and after putting my ATM code but no response till now

    Reply
    • editor says

      December 8, 2017 at 8:14 pm

      You need to have a salary account holder with GT Bank and you can only get up to 50% of your monthly salary as an advance to meet your urgent financial needs.

      Reply
      • Nasiru says

        August 14, 2018 at 6:01 pm

        I want know The percentage of interest rate

        Reply

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