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
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.
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
John says
Is there any message from gtb if the loan has been deducted
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
odetola kazeem adewale says
i will glad if my request would be considered.
vincent eric kemepade says
i am trying to get salary advance but it’s telling null what could be the course?
christy says
I apply but they are telling me to open
current account or internet banking and I have current account. why the options.
Aisha said says
How can i pay salary advance? I really want to pay back
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?
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?
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..?
Wisdom says
I think is OTP Pin
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.
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.
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
Editor says
Please visit a branch (Customer care) close to you and they will proffer a quick and fast solution to your problem.
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
Ekundayo kayode says
How many times can someone apply for salary advance ,can he apply for salary advance more than twice is it possible.
BARILUGBENE SORNATEE says
I HAVE APPLIED FOR SALARY ADVANCE BUT I WAS DENIED.
Editor 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
Saidu A. Z. says
I applied for salary advance several times and i got it.
But this month i was denied. Why?
Comfort says
I applied for salary advance and it say limit already exist on your account. Please what does that mean.
Editor says
Have collected or used the salary advance feature before?
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
Editor says
Please contact bank customer care for a quick fix.
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
Editor says
Please contact bank customer care for a quick fix.
Yunusa says
What’s the process of payback of salary advance?
Editor says
It will be removed as your salary is been paid.
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
Editor says
It will be removed as your salary is been paid.
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?
Editor says
It depends on the present rate of GTB interest rate. It depends on the prime interest rate.
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
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
Editor says
Please do you have a salary account with GT Bank, and check other criteria like minimum salary requirement.
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
Jacob Garba says
I apply for salary advance and 30 naira was debited from my account yet nothing for me why?
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.
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?
wunmi says
I am an entrepreneur with reasonable cash flo, pls how can I get a salary advance loan. Urgent pls.
editor says
It is only available for salary earners
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?
abba mustapha says
sir i want to apply salary advance how i will do it
Susan says
If you collect less than 50% of salary advance say 20%, can you collect the remaining balance 30% later
ILUYEMI TIMIBRA ERNEST says
Please i want to know the percentage and interest for salary advance
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?
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?
Comfort says
I took salary advance and I want to take Maxadvance in GTB is it possible?
Foluso says
USSD Salary Advance access charge was removed from my balance without any credit.
Uyi Oriakhi says
Please I will like to know the % rate
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?
editor says
Please do visit a branch of GTB close to you and the issue will be resolved. Thanks for your patience.
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
editor says
You might have to visit the bank. From the USSD service, most people get only 50% of their salary. Thanks
Amakiri Johnbosco says
I applied last month and i got it but i have been trying to repay back but i cant
editor says
It is suppose to be done automatically, you should visit the bank to resolve the issue. Thanks
Abiodun Babatunde says
My take home is not up to 50k but my total package (gross) is 55,500. Am I eligible for it?
Oghenebrume Arthur says
Will I eligible to get a loan since my gtb savings account is link with my salary account in other bank.
editor says
The salary account must be in GTB.
Afolabi Adeyinka Racheal says
I requested for 70kand my salary is 50k but I was given only 23,400 why is it like that
editor says
Are You a public or private worker?
sani says
I am using saving account as my salary account. How can I access salary advance. Because I try many times without reply
editor says
Please contact the bank customer care and you will be setup, if you meet the other criteria.
adeyinka says
the code is not working for me, please I need your help on the salary advance loan
editor says
Please if you meet the criteria above and it is still not working, You will need to contact GT Bank customer service.
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?
editor says
Please do check if you meet the criteria stated above. Thanks
editor says
Please do contact the customer care or customer service.
yusuf says
I earn 44k as salary does that mean I am not qualified for dis salary advance?
editor 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
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?
editor says
It will be removed automatically as your salary is paid.
editor says
Please do contact the customer care or customer service.
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..
editor says
Please do contact the customer care or customer service.
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
editor says
That is the code. *737*8*2#, use from phone number you receive alert for your salary. Thanks
Daniel says
Please how do i payback
editor says
It will be removed from your salary automatically based on the agreement you have signed with GTBank.
Xrystal says
How do u pay back? Can’t find the option anywhere.
editor says
It is to be removed as your salary is paid.
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
editor 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.)
Oluranti says
I tried to obtain salary advance but it was saying null and also I couldn’t use the app too.
Chisom says
How do I pay back loan? I thought it would be debited the moment I get my salary but it was not.
editor says
Please contact the bank
OTUYEMI, T. S. says
Please I requested for a salary advance loan and the reply I got is null. What does that mean?
Godwin says
please, I requested for a salary advance loan but d message I got is null. what does that mean.
Module Bunmi Noel-Onukogu says
Applied for salary advanced, got a cannot be processed message and was still charged #20 why?
editor says
Please contact customer care, it seems they are upgrading the service.
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
editor says
It seems the bank is performing an upgrade, please can you contact the customer service in the branch close to you.
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.
editor says
GTB might be upgrading the system, contact the bank’s customer service for advice.
sammy says
Editor what is the interest % for salary advance….
editor 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.
Marvins Daniel says
they have credited it now
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
editor says
Please be patient, maybe they are performing an upgrade or you could contact their customer service. Thanks
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
editor says
Please be patient, maybe they are performing an upgrade or you could contact their customer service. Thanks
Idris says
what’s the interest rate on the gtb salary advanced loan. pls, explain.
kunbi says
How much interest will I be charged if i apply for 20,000?
sammy says
Editor pls reply this question
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
editor 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.
JAMIU JIMOH says
SO SOMEONE OPERATING SAVING ACCT. CAN’T REQUEST FOR SALARY ADVANCE?
editor says
Yes, except it is a salary earning account.
Abbas says
I applied and got my salary advance within 3minutes.
Gtb is great!
Aliu says
Hw do u apply
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.
editor says
Thanks for this feedback Abubakar and for the clarification
Solomon David says
how long will it take before getting the salary advance using USSD code
editor says
The Bank will get back to you provided you have a salary account with them.
Solomon David says
I have request for salary advance using the USSD code and after putting my ATM code but no response till now
editor 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.
Nasiru says
I want know The percentage of interest rate