How to Qualify for GTB Quick Credit

The Guarantee Trust Bank Limited Quick Credit is a product developed to give retail customers instant access to cash whenever they need it to sort out their pressing needs.

According to Guarantee Trust Bank, customers with salary accounts with the bank can borrow up to 100% of their monthly salary, 18% per annum interest rate, and enjoy up to 12 months flexible repayment plan.

You can apply to borrow money for your needs, and the funds will be credited into your account instantly.

What qualifies you for GTB Quick Credit?


To get the loan, you will need to qualify or be eligible. As a borrower, you need to have/have done the following to quality;

  • The borrower should have activated the Bank’s USSD service; thus, *737#
  • The borrower must be an active current account holder.
  • Must have received a minimum monthly salary of GHS 800 for at least three (3) months. However, for the bank’s Max Advance customers, a minimum of one (1) month’s salary inflow is required.
  • Must be a salaried worker between the ages of 18 – 65 years
  • If you meet the above requirement, you are qualified for a Guarantee Trust Bank Quick credit, which is easy and straightforward.

Conveniently borrow money from your bank and pay later; however, you are advised not to disclose your personal information and financial details to anyone online, posing to be a GTB affiliate or worker.

How to Apply for Funds

  • Follow the guide below to apply for a quick credit at Guarantee Trust Bank;
  • Dial *737*0# on your phone
  • Select option 1 (Payday Credit)
  • Agree to the Terms and Conditions
  • Enter the amount to borrow
  • Enter Tenure ( Up to 12 months)
  • Enter the PIN to confirm the transaction
  • Your funds will be credited to your account instantly. That is, if you are eligible.

How to Pay Back

Follow the guide below to pay back your quick credit from Guarantee Trust Bank;

  1. Dial *737*0# on your phone
  2. Select option 4 ( Repayment)
  3. Choose option 2 (Close Credit)
  4. Enter PIN to liquidate credit
  5. You will receive instant notification to confirm that your repayment has been successful

Once you have successfully paid what you owe, you can reaccess quick credit by dialing *737*0# and selecting option 1 for Payday Credit, and it is that easy.

Using GT Bank’s quick credit option is easy and convenient to use. It has one of the lowest interest rates compared to other banks, mobile networks, and loan sharks, and its repayment plan is flexible.

Visit Guarantee Trust Bank’s website at for more information or call their toll-free number 0800124000 to talk to a customer service representative.

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