QuickCredit: Your Gateway to Easy and Fast Loans

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In a financial landscape where immediacy and convenience are key, QuickCredit by Guaranty Trust Bank Limited emerges as a frontrunner, offering a lifeline to salary earners needing quick funds. This innovative solution is tailored to meet the urgent financial needs of individuals, providing up to ₦5 million at an interest rate of just 2.0% per month, with the added benefit of no hidden charges. Here's a deeper dive into QuickCredit, addressing common FAQs and detailing its unique features, including how to qualify, borrow, and manage your QuickCredit loan.

 What is QuickCredit?

QuickCredit is a loan service designed by Guaranty Trust Bank Limited to offer instant cash loans to salary earners. It's a financial product allows you to borrow up to three times your monthly salary, ensuring immediate needs such as emergencies, bills, and investments can be met swiftly and efficiently.

Key Features and Benefits

- Loan Amount: Borrowers can access up to ₦5 million, providing significant financial leverage.

- Interest Rate: A competitive interest rate of 2.0% per month, making it an affordable option.

- Repayment Plan: Offers a convenient repayment plan of up to 12 months, allowing borrowers to manage their finances without strain.

- Pre-liquidation: Borrowers can pre-liquidate the loan without facing any penalties, offering flexibility and control over the loan tenure.

- Accessibility: The loan can be accessed easily by dialing *737*51*51# or through GTBank’s online and mobile banking platforms, including Internet Banking and GTWorld.

How to Apply for QuickCredit

Applying for QuickCredit is straightforward. Salary earners can initiate a loan request by simply dialing *737*51*51#. Alternatively, the loan can be accessed through all GTBank online and mobile banking platforms. This hassle-free process ensures you can apply for and manage your loan conveniently without needing a physical bank visit.

 Frequently Asked Questions

 

How Do I Qualify for GTBank QuickCredit?

   To qualify for QuickCredit, you must be a salary earner with a consistent income, and your salary account must be domiciled with GTBank. The eligibility criteria also consider your credit history and any existing financial obligations. It's essential to have a good standing with the bank and not have any outstanding debts that could affect your eligibility.

 

How to Borrow Money from QuickCredit?

   Borrowing from QuickCredit is as simple as dialing the short code *737*51*51# from your phone or accessing the loan through GTBank’s digital banking platforms. Follow the prompts to complete your application, and if eligible, you'll receive the loan amount directly in your account.

 

What is the Short Code for GTB QuickCredit?

   The shortcode for accessing GTBank’s QuickCredit is *737*51*51#. This USSD code allows for a seamless application process, making it easy for customers to request a loan anytime, anywhere.

 

How Do I Liquidate My GTBank QuickCredit?

   To liquidate or pay off your QuickCredit loan, deposit or transfer the outstanding amount to your loan account via GTBank’s online and mobile banking platforms or visit any GTBank branch. If you wish to pre-liquidate your loan, you can do so without incurring any penalties, offering greater flexibility in managing your finances.

Minimum and Maximum Loan Amount

 QuickCredit is designed to be flexible, catering to various financial needs with loan amounts tailored to the borrower's salary.

Loan Tenure

 The tenure for QuickCredit loans extends up to 12 months, providing ample time for repayment.

Interest Rate Details

 The interest rate for QuickCredit is set at 2.0% per month, translating to an annual rate of approximately 24.0% without hidden charges.

Additional Fees

Apart from the interest, a credit insurance fee of 1% flat is charged once, covering the duration of the loan.

Accessing QuickCredit

QuickCredit can be accessed instantly by dialing *737*51*51# or through GTBank’s digital platforms.

Eligibility Criteria

Eligibility includes age considerations and the requirement to domicile salary with GTBank. Borrowers with existing loans on the Remita platform can still apply, subject to conditions.

Processing Time

 QuickCredit is renowned for its quick processing, ensuring borrowers can access funds promptly.

Requirements for Loan Access

 Key requirements include having a salary account with GTBank or authorizing salary deductions for loan repayments from another pay point.

 

Conclusion

QuickCredit by GTBank stands out as an exemplary financial product that marries convenience with efficiency. Its user-friendly approach, competitive interest rates, and flexible repayment terms make it an attractive option for salary earners needing quick financial assistance. QuickCredit provides the necessary financial support without the cumbersome processes typical of traditional loans, whether for an emergency, bill payment, or a personal project.

 

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