GBTI review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

GBTI lends directly, in Guyana, with rates of 8% to 14% and terms of 6 to 60 for personal, car and secured borrowing. It suits anyone who wants a long-established direct lender, and anyone prepared to pay the application fee of GYD 4,000 and give up free early repayment.

Key facts

Best for
Borrowers in Guyana wanting a long-established direct lender for a personal, car or secured loan.
APR
8% to 14% (Source, checked September 26, 2026)
Loan amount
GYD 50,000 to GYD 3,000,000 (Source, checked September 26, 2026)
Term
6 to 60 months (Source, checked September 26, 2026)
Arrangement fee
GYD 4,000 application fee on ordinary loans and overdrafts up to GYD 3,000,000; express loans up to GYD 3,000,000 cost GYD 3,000 (Source, checked September 26, 2026)
Funding time
Approval typically within 3-5 days (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Origination fee (%)
0.75% (Source, checked September 26, 2026)
Loan types
Personal, Car, Secured (Source, checked September 26, 2026)
Legal entity
Guyana Bank for Trade & Industry Ltd. (Source, checked September 26, 2026)
Headquarters
Guyana (Source, checked September 26, 2026)
Founded
1836 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
gbtibank.com

Mortgages

Initial rate
3% (Source, checked September 26, 2026)
Fixed period
30 years (Source, checked September 26, 2026)
Maximum loan to value
90% to 95% (Source, checked September 26, 2026)
Product fee
GYD 4,000 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Guyana Bank for Trade & Industry Ltd. (Source, checked September 26, 2026)
Headquarters
Guyana (Source, checked September 26, 2026)
Founded
1836 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
LinkedIn

Pros and cons

Pros

  • APR of 8% to 14% is below the personal loan median of 12.25%
  • Three loan types in one place: personal, car and secured, all from one lender
  • Lending amounts of GYD 50,000 to GYD 3,000,000 sit well above the personal loan median of €556.48
  • Housing loans carry an initial rate of 3%, below the site median of 4.35%

Cons

  • Free early repayment is not offered, so settling the balance ahead of schedule carries a charge
  • An application fee of GYD 4,000 plus an origination fee of 0.75% adds upfront cost to every loan
  • Approval takes Approval typically within 3-5 days, which is slower than same-day funding offered by most lenders in this comparison
GBTI

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Guyana who want to deal with one bank for personal, car and secured lending
  • Anyone borrowing a larger sum, since amounts reach GYD 50,000 to GYD 3,000,000
  • Homebuyers and remortgagors, as the bank lends for purchase, remortgage and first-time buyers

Who should look elsewhere

  • Monzo Flex, whose rates of 10% to 23% may suit borrowers wanting a different market entirely
  • Anyone planning to clear the balance early, since free early repayment is not offered
  • Cashspace, whose rates of PHP 12 to PHP 36 or 0% could be worth a look if you are eligible

Who runs it

GBTI is a direct lender trading as Guyana Bank for Trade & Industry Ltd., based in Guyana. It has been a bank since 1836, which is a long trading record for a local lender. It lends to borrowers directly rather than through a broker, covering personal, car and secured lending plus housing loans. Support runs on phone and help centre.

How GBTI compares

Where GBTI is available

Available
Guyana

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rates does GBTI charge on a personal loan?+

Personal loan rates run 8% to 14%, which is below the personal loan median of 12.25% across this comparison. Amounts are GYD 50,000 to GYD 3,000,000, and terms run 6 to 60. Pricing moves with your own credit profile, so the rate you are offered may sit at either end of that range.

What fees will I pay to borrow from GBTI?+

There is an application fee of GYD 4,000, plus an origination fee of 0.75%. Ordinary loans and overdrafts carry the higher application fee, while express loans cost less. These charges sit on top of the interest, so the true cost of a small loan is much higher in percentage terms.

Can I repay a GBTI loan early without a charge?+

Free early repayment is not offered on these loans, so clearing the balance ahead of schedule carries a cost. Since most lenders in this comparison do allow it free, check the current charge with the bank before committing, especially if you might settle the debt sooner than planned.

How much can I borrow and for how long?+

Loan amounts run GYD 50,000 to GYD 3,000,000, and terms run 6 to 60. That top end is far above the personal loan median of €556.48 in this comparison, though the lower end of the range will not suit a small borrowing.

How long does a GBTI application take?+

Approval typically follows Approval typically within 3-5 days. Same-day funding is available from most lenders in this comparison, so if you need money urgently, ask GBTI what the express loan option means for your timeline and what it costs.

Does GBTI lend for cars and property?+

The bank covers personal, car and secured lending, and its housing loans serve purchase, remortgage and first-time buyers. Housing lending runs at an initial rate of 3% for a fixed period of 30, with a maximum loan to value of 90% to 95%.

How do I get help with a GBTI account?+

Support runs on phone and help centre, so you can reach the bank by phone or use its help centre. There is no chat or email route listed, which is worth checking if you prefer written contact or cannot make calls during the working day.

Who is GBTI lending to?+

GBTI is a direct lender, direct lender, operating in Guyana and trading as Guyana Bank for Trade & Industry Ltd.. It lends in local currency, so the practical question is whether you are borrowing in Guyana, since the products are not aimed at other markets.

Sources

  • gbtibank.com/about-us checked September 26, 2026

    Backs: Founded

    “The story begins with the establishment of the Colonial Bank in May 1836, the first commercial bank in British Guiana”

  • gbtibank.com/contact-us checked September 26, 2026

    Backs: Support channels

    “Contact Us General Feedback [General Feedback](https://gbtibank.com/general-feedback/)”

  • gbtibank.com/corporate-profile checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Registered Office High & Young Streets Kingston, Georgetown Guyana”

  • gbtibank.com/housing-loan-promotion checked September 26, 2026

    Backs: Initial rate, Maximum loan to value, Purpose

    “MORTGAGE AMOUNT Up to $4m, STANDARD RATE 3.5%, GBTI ADVANTAGE AS LOW AS 3%”

  • gbtibank.com/loans checked September 26, 2026

    Backs: Loan amount, APR, Fixed period, Funding time, Lender type, Loan types, Term

    “Personal Loan Loan Features: Amount Range: GYD 50,000 - GYD 3,000,000”

  • gbtibank.com/schedule-of-charges checked September 26, 2026

    Backs: Free early repayment, Arrangement fee, Origination fee (%), Product fee

    “Early Repayment of Loans: Retail Loans Penalty of 3 Months Interest if repaid before maturity”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

GBTI

GBTI

Borrowers in Guyana wanting a long-established direct lender for a personal, car or secured loan.

9.1/10See alternatives

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