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Nairaland Forum / Nairaland / General / Business / How I Recieved An Instant Loan Of Over N1m Without Going To The Bank (79699 Views)
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How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Joy2Dwise: 10:07am On Aug 29, 2019 |
I kept receiving pop-up messages from GTB on my mobile app stating that I was qualified to apply for loan but I kept ignoring them cus I knew that getting a loan is not as easy as that. I knew what I went through on few occasions when I had to take loans as small as 300k to sort out some immediate financial needs. It got to a point when I began to expect the bank to request the death certificate of my great grand father before they approve a loan amount that is not even up to my monthly earnings. The most embarrassing moment was when two close friends refused to sign guarantor forms because they claimed it was against their principle. I had to swallow my pride and go to a junior who eventually stood in as my guarantor at the end. Out of curiousity, I clicked "accept'' just to see if it was real. Next message I got was that "your application has been accepted". To cut the long story short, I received an alert of about 1m.150k just few hours later and this sounded incredible. A scanned copy of the repayment plan was later emailed to me and when I did the calculation, I found out that the total percentage of interest is about 12% as against 22 - 26% which I was forced to cough out in previous loans I took from different banks in the past. This to me was a good deal even though I don't have a specific plan for it. Had to push it to my son's account while I wrap my head around what best to do with the money. This instant loan and the attractive interest rate kept me wondering on the following: 1. Does it mean the banks now have so much money in their coffers to lend out to customers even without asking? 2. What is the reason for the low interest rate which to me is still far lower than what is obtainable? I called my account officer to ascertain if I can invest it in FG bond but I wasn't impressed with the interest rate so I'm going to keep it in the bank pending on when I decide on what to do with it. Any good idea is however welcomed. 63 Likes 7 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by katlord(m): 10:12am On Aug 29, 2019 |
Hmmmm interesting 1 Like 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Nobody: 10:17am On Aug 29, 2019 |
Fantastic! What a welcomed development. This is good news for young entreprenuers. The sad story is that they only give to salary earners. It should be extended to entrepreneurs without 9 to 5 jobs. I tried using it to buy a car for Uber business by dialing *737*51*51#, but was told to open a salary account with them. But as I no get job now, nothing for me 78 Likes 7 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by captainking(m): 10:19am On Aug 29, 2019 |
1984och:You can still get a loan from GTB as a business owner.. Its quite simple... wanna know how 24 Likes 3 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by dominique(f): 10:26am On Aug 29, 2019 |
You're eligible for the loan because you get regular credit alerts in your account, you probably receive salary on that account. I'm sure they've implemented a repayment plan on your account by now, expect to get monthly deductions from your account till the loan is fully repaid. 149 Likes 15 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by ruggedtimi(m): 10:34am On Aug 29, 2019 |
hope you pay back soon.. 2 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by pyro62(m): 10:34am On Aug 29, 2019 |
1 Like 2 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by DAntivirus: 10:34am On Aug 29, 2019 |
Hmmm... its really tempting, but the interest is crazy! I just tried it too... tempting, but I'll pass for now 2 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by DaddyYeeboz: 10:35am On Aug 29, 2019 |
The repayment is not 12% per annum before you use your head to break coconut o. 23 Likes 3 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by majamajic(m): 10:35am On Aug 29, 2019 |
12 % mean u pay back N 1,120,000 , not bad better start planning what u invest , me I think sports bar , it's not bad . people must drink and watch football , choose a nice location , get sexy ladies as waiters , get a 2 male as manager and fridge personal 17 Likes 5 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by money121(m): 10:36am On Aug 29, 2019 |
Congrats 1 Like 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Elzakzaky: 10:36am On Aug 29, 2019 |
Lienus 2 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Twoclans(f): 10:36am On Aug 29, 2019 |
I have not even read your thread but I already know it is GT Bank . A bank that is in a class of its own . 53 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by zeromeridian: 10:36am On Aug 29, 2019 |
Since Innoson won GT bank at the supreme court, GTbank has started recruiting online marketers trying to convince people to open account with them so that they can get instant loan. The op is GTbank online marketer. They are looking for people to deposit money with GTB. I had a call from someone telling me to open account with gt, that with minimum balance of 100k that i can get a loan for 1m. but all na lies. they are looking for money from everywhere to pay innoson. 156 Likes 7 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Nobody: 10:37am On Aug 29, 2019 |
The banks have too much money in their coffers. 23 Likes 2 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by ThothHermes: 10:37am On Aug 29, 2019 |
dominique:Chikena. 2 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by rozayx5(m): 10:37am On Aug 29, 2019 |
Loan apps have threatened banks They have to be innovative or shutdown 25 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Nobody: 10:37am On Aug 29, 2019 |
. 2 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Zombiekiller010: 10:37am On Aug 29, 2019 |
I'm waiting for the 5k promised by FG for all graduates 11 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Nobody: 10:37am On Aug 29, 2019 |
That's great. Welcome development too but you need to make sure you ask lots of questions and get good answers related to the loan before you finally settle for it. Naija bank can be funny at times. Make e no come turn to innoson - gtb saga which hunter became hunted. By the way anyone knows how to get my money or credit back. I bought MTN card via access Bank apps yesterday only to get network error and disconnection. But after few hours ,got debited 3 times and NO even single credit on the phone in anyway up until now. Is there a solution to that? 3 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by thesicilian: 10:38am On Aug 29, 2019 |
Taking loans is easy, paying back is the issue. 4 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Nobody: 10:38am On Aug 29, 2019 |
The banks have too much money in their coffers. The banks ironically LACK credible people to lend this money to. 4 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Mrshape: 10:38am On Aug 29, 2019 |
. 1 Like 2 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Mrshape: 10:38am On Aug 29, 2019 |
They check your salary, and they realize you can pay up with less than four months salary, I so much believe GTB is were u have your salary account. 15 Likes 2 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Mrshape: 10:38am On Aug 29, 2019 |
. 1 Like 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by rainmoredays: 10:39am On Aug 29, 2019 |
dominique:he doesn't know what's going on 8 Likes 3 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by mistacoco2: 10:39am On Aug 29, 2019 |
Bro so don't have plan of what to do with loan, you went to take loan... Hmmm 32 Likes 6 Shares |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Nobody: 10:40am On Aug 29, 2019 |
captainking: Oh yes I want to know. Kindly share pls 1 Like 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by spiceadole: 10:40am On Aug 29, 2019 |
thesicilian:Paying back is painful.lol 3 Likes 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by Femich18(m): 10:40am On Aug 29, 2019 |
Sure it is real. Few moonths ago i do receive same message until 2months ago a colleague at work told him he is on the loan and paying every month.Another applied 2 weeks ago and he received less than 500k though. I am planning to apply for mine too before the year ends 1 Like 1 Share |
Re: How I Recieved An Instant Loan Of Over N1m Without Going To The Bank by GSteve001(m): 10:40am On Aug 29, 2019 |
Wow I'm always scared of loans though 9 Likes 1 Share |
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