How to Borrow Money on Titan Trust Bank

How to Borrow Money on Titan Trust Bank

Titan Trust Bank is one of the fastest-growing banks in Nigeria. It provides various banking services to help its customers with different needs. The bank is known for offering new and advanced financial solutions. One important reason Titan Trust Bank is trustworthy is that it got a license from the Central Bank of Nigeria in 2019. This official approval from the country’s regulatory authority means the bank follows the law and the best banking practices.

Being an officially licensed national commercial bank, Titan Trust Bank is a reliable financial partner for people and businesses. While Titan Bank offers different financial services, this article will focus on understanding how to borrow money through its various loan products.

 Loan Products Offered By Titan Trust Bank

Titan Trust Bank offers a range of loans to meet the different financial needs of its customers. The bank is dedicated to helping people and businesses get the money they need for personal and business goals

Salary Advance

Titan Trust Bank has a special service called Salary Advance. It is designed to quickly give employees access to money. With this service, individuals can get up to half of their net monthly salary for a maximum of 3 months. What’s great about this product is that it’s convenient. There’s no need for paperwork or collateral, making it easy to apply and get financial help quickly.

To get the Salary Advance from Titan Trust Bank, you must have your salary paid into the bank. You should also meet a minimum limit of N100,000. The time you have to pay back the advance is within 12 months.

People who borrow can get up to half of their yearly income, and they have a maximum of 36 months to repay the loan. This amount is meant to quickly help employees who are dealing with short-term financial needs. One notable thing is that there’s no need for paperwork or collateral when applying for the Salary Advance. It’s a fast and straightforward solution for employees who want quick access to funds without dealing with a lot of hassle.


  • Domiciliation of salary account with Titan Trust Bank.
  • Minimum obligor limit of N100,000.
  • 25% of the employee’s net annual salary with a repayment period not exceeding 12 months.


Titan Trust Bank’s Mortgage product is for people who need financial help to buy a property. This can be already built or still under construction. The service is available to both employees and business owners, especially those with properties in Lagos, Abuja, and Port Harcourt. What’s special about the Mortgage product is that it asks for a minimum of 30% of the property’s value as your contribution, making it possible for you to own a home. 

Also, the repayment period can be as long as 10 years. The amount you can borrow depends on the value of the property, and the repayment period is flexible, giving borrowers plenty of time to pay back the loan.


  • Completed Mortgage Application Form.
  • Employee Status Inquiry/Employer’s Confirmation Form.
  • Letter of offer from the property seller.
  • Title document of the property.

Vehicle Loans

Titan Trust Bank’s Vehicle Loans provide a convenient way for customers, including salaried individuals, small and medium-sized enterprises (SMEs), and corporations, to get new vehicles. To get the loan, you only need to contribute a modest amount, as low as 20% of the vehicle’s price. You can pay back the loan for up to 48 months, allowing you to acquire a vehicle in a way that fits your financial situation.

Borrowers can cover up to 80% of the vehicle’s cost with the loan, and they have the flexibility to repay it over up to 48 months, allowing adjustments based on their financial capacity. Titan Trust Bank’s Vehicle Loans come with attractive interest rates and convenient terms, making it financially feasible for a wide range of customers to acquire vehicles.


  • Completed Vehicle Lease Application Form.
  • Pro forma invoice from any of the Bank’s approved vendors.
  • Credit Checks.
  • Blank transfer of ownership Form.

Education Loans

Understanding the value of education, Titan Trust Bank offers a School Fees Loan designed for parents and guardians. This type of short-term financial support helps cover tuition fees for children or wards, whether they’re in undergraduate or postgraduate studies or preparing for professional exams


  • Business plan.
  • Cash flow budget.
  • Company profile.
  • Bank statements (12 months).

 How To Apply For Loans

Getting a loan at Titan Trust Bank is straightforward. The process is designed to give customers a smooth and hassle-free borrowing experience.

  • Begin the loan application process by visiting a Titan Trust Bank branch or accessing the official website.
  • Consult with the bank’s customer support or a loan officer to gather information about the available loan products and their specific features.
  • Obtain and fill out the standard loan application form.
  • Provide the necessary documentation as per the bank’s requirements.
  • The bank may conduct credit checks to assess your credit score and determine your eligibility for the loan.
  • Review and accept the terms and conditions associated with the loan product you are applying for.
  • Wait for the bank to review your application and documents.
  • Upon approval, you will be notified of the terms, including the approved loan amount, interest rates, and repayment schedule.
  • Once the loan is approved, the funds will be disbursed according to the agreed-upon terms, providing you with the financial support you need.


In the beginning, it’s important to get to know the eligibility criteria for the loan you want. Take a moment to understand the basic requirements, like having your salary deposited in the bank, meeting the minimum limit, and other specific conditions. Make sure you meet these basic criteria, including age and employment status, as set by Titan Trust Bank.

If you’re already a customer, having a good banking history is helpful. Use the bank’s services regularly, and fulfill your financial responsibilities, and this will strengthen your relationship with the bank. It can even positively influence the loan approval process.