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GT Bank Salary advance Using USSD

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

A salary advance is a loan given to an employee. The advance comes from wages you will pay the employee in the future.
GTBank

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 GTBank 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 Get GTBank Salary Advance Using Internet Banking

Login to your Internet bank portal and apply for GTBank Salary advance

How to Get GTBank Salary Advance By Visiting Any Branch

Get GTBank salary advance by visiting any of the branches.

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 with any phone, Internet Banking or by visiting any of the branches.
Please share and like below, also comment below for any problem faced or encountered.

Reader Interactions

Comments

  1. Solomon David says

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

  3. Tim says

    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.

  5. Abubakar Darda'u says

    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.

  10. Musa says

    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

  11. Tim says

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

  15. yao says

    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

  16. Marvins Daniel says

    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

  17. Tim says

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

  18. Tim says

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

  22. Tim says

    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.

  23. Sunny says

    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.

  25. Kennedy oghenemaro imoniose says

    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

  26. Tim says

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

  27. Module Bunmi Noel-Onukogu says

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

  29. Godwin says

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

  30. OTUYEMI, T. S. says

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

  31. Chisom says

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

  34. Emeka says

    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

  35. Tim says

    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.)

  40. Tim says

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

  41. Omoshola says

    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

  42. Tommy Josh says

    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..

  43. segun says

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

  45. Kenneth Nkwocha says

    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?

  47. Tim says

    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

  52. Tim says

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

  53. adeyinka says

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

  54. Tim says

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

  55. sani says

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

  56. Tim says

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

  57. Afolabi Adeyinka Racheal says

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

  59. Oghenebrume Arthur says

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

  61. Abiodun Babatunde says

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

  62. Amakiri Johnbosco says

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

  63. Tim says

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

  64. james says

    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

  65. Tim says

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

  66. Jesse Filibus says

    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?

  67. Tim says

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

  71. yusuf manga says

    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?

  72. Victor says

    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?

  75. Susan says

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

  77. Hamza Abubakar says

    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?

  78. wunmi says

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

  80. Emmanuel Adesanwo says

    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?

  81. Ndubueze Cyprian says

    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.

  83. Philomena Luka says

    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

  84. Anonymous says

    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

  86. Banke says

    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

  87. Boluwatife says

    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?

  89. Yunusa says

    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

  93. Asiughu Godspower says

    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

  95. Segun says

    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

  97. Comfort says

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

  101. Tim says

    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

  102. Ekundayo kayode says

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

  103. Edeh tochukwu says

    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

  104. Nonso says

    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

  105. Tim says

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

  106. SOLA says

    Hello,
    i want to apply for salary advance of 200,000 at 1.75% payable in 12 months.
    Can below be the possible repayment plan?
    MONTH LOAN RATE INTEREST REPAYMENT
    1 200,000.00 1.75% 3,500.00 20,166.67
    2 1.75% 3,500.00 20,166.67
    3 1.75% 3,500.00 20,166.67
    4 1.75% 3,500.00 20,166.67
    5 1.75% 3,500.00 20,166.67
    6 1.75% 3,500.00 20,166.67
    7 1.75% 3,500.00 20,166.67
    8 1.75% 3,500.00 20,166.67
    9 1.75% 3,500.00 20,166.67
    10 1.75% 3,500.00 20,166.67
    11 1.75% 3,500.00 20,166.67
    12 1.75% 3,500.00 20,166.67
    # TOTAL 21.00% 42,000.00 242,000.00
    Thanks.

  107. SOLA says

    i want to apply for salary advance of 200,000 at 1.75% payable in 12 months.
    Can below be the possible repayment plan?
    MONTH LOAN RATE INTEREST REPAYMENT
    1 200,000.00 1.75% 3,500.00 20,166.67
    2 1.75% 3,500.00 20,166.67
    3 1.75% 3,500.00 20,166.67
    4 1.75% 3,500.00 20,166.67
    5 1.75% 3,500.00 20,166.67
    6 1.75% 3,500.00 20,166.67
    7 1.75% 3,500.00 20,166.67
    8 1.75% 3,500.00 20,166.67
    9 1.75% 3,500.00 20,166.67
    10 1.75% 3,500.00 20,166.67
    11 1.75% 3,500.00 20,166.67
    12 1.75% 3,500.00 20,166.67
    # TOTAL 21.00% 42,000.00 242,000.00
    Thanks.

  108. Modu kura kolo says

    I tried to apply for salad, I was asking to provide PIN, I entered my ATM pin but was told INVALID pin. Could I pls know which pin required..?

  109. Agbo Ben says

    I apply for salary advance, I was replied that no account is funded for the request amount that I should fund my account. what does that mean?

  110. Agbo Ben says

    I apply for salary advance, I was replied that my no account is funded for the request amount that I should fund my account. what does that mean?

  112. christy says

    I apply but they are telling me to open
    current account or internet banking and I have current account. why the options.

  114. vincent eric kemepade says

    i am trying to get salary advance but it’s telling null what could be the course?

  116. dada olutunde says

    Pls I have a outstanding loan of 8thousand+ and I wish the bank to deduct all the outstanding.. Although I normally pay back with 4500 monthly,pls wat can I do to deduct the all the outstanding..thank you

  118. Anonymous says

    Please I need a code for the payment of the loan I collected. I want Gtbank to deduct everything from my savings including the interest. I need the code

  129. Sanni Abdulkadeem says

    Please why do I keep getting the feedback “you have no salary within the last 2 months” each time I attempt to access the gtbank quick loan service?

  130. Tim says

    Is your salary been paid to GTBank? If it is, visit a bank to resolve the issue and the salary advance realtime.

  131. Abdulkadir says

    Pls, just paid my last salary advance, and want another one within the same month bus telling me The request amount is higher than 50percent of my salary
    I want to know why pls..thanks

  132. Tim says

    Please make sure it is not above.
    If it not, contact customer service through email or call and it will be resolved. Thanks

  133. Simeon Ocho'gwu says

    I have been trying to apply for salary advance for a while now. The reply I keep getting is ‘no account is funded for this’. And I am not owing salary advance. What could this mean?

  141. Nwaokocha Fidelis says

    Pls I took salary advance loan and liquidated it, dose it mean I have paid it off…pls I need a fast answer.

  143. Muhammad Sani Ahmed says

    Plz there is supposed to be a ussd code to pay back your salary advance, just like how loans were been liquidated.sometimes before they deducted automatically some charges trigger the exact amount that be paid

  145. Fabiyi O says

    Why is your max advance loan extended only to current account holders even though the applicant is a government employee who chose savings account over current account as a preferred salary payment option.

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