How to Get a GTBank Loan for Non Salary Earners

How to Get a GTBank Loan for Non Salary Earners

How to Get a GTBank Loan for Non-Salary Earners: Complete Guide: Are you a non-salary earner looking for a loan in Nigeria? Guaranty Trust Bank (GTBank) provides a range of loan options for individuals, entrepreneurs, and businesses, including those who do not earn a salary. In this guide, we will take a detailed look at how to get a GTBank loan for non salary earners.

GTBank Personal Loans for Non-Salary Earners

If you are a non-salary earner looking for a personal loan, GTBank offers a range of loan options to meet your financial needs. These loans do not require collateral, and the application process is fast and easy.

Here are some of the personal loan options available for non-salary earners at GTBank:

  • GTBank Quick Credit: GTBank Quick Credit is a fast and easy loan option for non-salary earners. The loan amount ranges from N10,000 to N5 million, and the repayment period is up to 6 months. To apply, dial 73751*51# on your mobile phone, and follow the instructions.
  • GTBank Salary Advance: GTBank Salary Advance is a loan option available to non-salary earners who have a GTBank account. The loan amount is up to 50% of your monthly salary, and the repayment period is up to 6 months. To apply, log in to your GTBank mobile app, click on the “loans” tab, and follow the instructions.
  • GTBank Max Advance: GTBank Max Advance is a loan option available to non-salary earners who have a GTBank account. The loan amount is up to 100% of your monthly salary, and the repayment period is up to 12 months. To apply, log in to your GTBank mobile app, click on the “loans” tab, and follow the instructions.
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GTBank Business Loans for Non Salary Earners

If you are an entrepreneur or a non-salary earner looking to start a business, GTBank offers a range of business loan options to help you get started. These loans are designed to meet the financial needs of businesses and do not require collateral.

Here are some of the business loan options available for non-salary earners at GTBank:

  • GTBank Business Credit: GTBank Business Credit is a loan option available to non-salary earners who run a business. The loan amount is up to N5 million, and the repayment period is up to 12 months. To apply, visit any GTBank branch near you, and provide the required documents.
  • GTBank Quick Credit for Business: GTBank Quick Credit for Business is a fast and easy loan option available to non-salary earners who run a business. The loan amount is up to N5 million, and the repayment period is up to 12 months. To apply, dial *737*52*51# on your mobile phone, and follow the instructions.

How to Qualify for GTBank Loans for Non Salary Earners

To qualify for GTBank loans for non-salary earners, you need to meet the following requirements:

  • Be a GTBank account holder: To apply for a GTBank loan, you need to have an account with the bank.
  • Provide valid identification: You will need to provide a valid means of identification such as a national ID card, driver’s license, or international passport.
  • Provide proof of income: As a non-salary earner, you will need to provide proof of income such as business registration documents, tax identification number, or bank statements.
  • Have a good credit history: GTBank will consider your credit history when assessing your loan application. Make sure you have a good credit history to increase your chances of getting approved for a loan.
  • Meet the minimum age requirement: To apply for a GTBank loan, you must be at least 18 years old.
  • Meet other requirements specific to the loan type: Some loan options may have specific requirements such as a certain level of income, business registration, or a certain credit score. Make sure you meet the specific requirements of the loan option you are interested in before applying.
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How to Apply for GTBank Loans for Non Salary Earners?

To apply for a GTBank loan for non-salary earners, follow these steps:

  • Visit the GTBank website or mobile app and click on the “loans” tab.
  • Choose the loan option that best suits your needs and click on “apply now.”
  • Fill out the loan application form with accurate information and submit it.
  • Wait for GTBank to review your loan application. This usually takes a few days.

If your loan application is approved, GTBank will disburse the loan amount to your account.

GTBank Loan Codes for Non-Salary Earners

To make loan application easier for non-salary earners, GTBank has introduced loan codes that allow you to apply for a loan directly from your mobile phone. Here are the loan codes available for non-salary earners at GTBank:

  • GTBank Quick Credit: Dial *737*51*51# on your mobile phone, and follow the instructions.
  • GTBank Quick Credit for Business: Dial *737*52*51# on your mobile phone, and follow the instructions.

Note that these loan codes are only available to GTBank account holders.

How do I Repay a GTbank loan?

Repaying your GTBank loan is easy and convenient. Once your loan application is approved, the bank will provide you with a repayment schedule that outlines the due date, amount due, and payment method. Here are some of the ways you can repay your GTBank loan:

  1. Direct Debit: You can set up a direct debit from your GTBank account to automatically repay your loan. This ensures that your payments are made on time and without any hassle.
  2. Online Transfer: You can also make your loan repayments by transferring funds from your GTBank account to the loan account through the bank’s online banking platform.
  3. Mobile App: The GTBank mobile app allows you to make loan repayments directly from your mobile phone. Simply log in to your account and select the loan repayment option.
  4. ATM: You can use any GTBank ATM to make your loan repayments. Simply insert your ATM card, select the loan repayment option, and follow the instructions.
  5. Bank Branch: You can also visit any GTBank branch to make your loan repayments in person.
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Note that it is important to make your loan repayments on time to avoid defaulting on the loan. Failure to repay your loan as scheduled can negatively affect your credit score and make it more difficult to access credit in the future. If you are unable to make your loan repayments, contact GTBank customer service to discuss possible solutions such as loan restructuring or rescheduling.

Conclusion

GTBank provides a range of loan options for non-salary earners in Nigeria. Whether you are looking for a personal loan or a business loan, GTBank has loan options that can meet your financial needs. To qualify for a loan, you need to meet the bank’s requirements and apply through the bank’s website, mobile app, or loan codes. If you have any questions or need further assistance, contact GTBank customer service or visit any GTBank branch near you.

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