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How Long it takes for the Teacher Unions(GNAT,NAGRAT, CCT) to Process your Loan Now

How Long it takes for the Teacher Unions(GNAT, NAGRAT, CCT) to Process your Loan Now

Government workers across the country are the most worried when it comes to loans. So many advertisements in their offices, on their phones everywhere, to come for a loan. Due to their regular and timely income, they become the most trusted to pay loans when given hence the chase by almost all financial institutions.

Not only Loans, but insurance companies are also always creating insurance for government workers.

This has also made fraudsters and scammers target Government workers, especially teachers for their credentials to contract loans in their names.



Salary, allowance, and affordability Updates you don’t want to miss Follow here 


Due to the high rate of Bank loans and other credit union loans, the various Teacher Unions have come up with loan schemes for their members at a very low rate.

There are various loan schemes available in each Teacher Union. The Duration depends on the type of loan you are applying for.

Formerly almost all loans would pass from the school to district to region before to the National level for approval.

Interest Rate

GNAT Teacher’s Loan interest rate is confirmed to be 16% per annum.

CCT-GH Loan Interest Rate is about 10%

NAGRAT Loan Interest Rate is

Digital Age

Now most of the loans can be applied for through the various online portals created by the individual unions.

Coalition of Concern Teachers (CCT) You dial the short code * 711*122# and follow the prompt to access their loan portal

Ghana National Association of Teachers ( GNAT) *800#

For NAGRAT you visit the website


How long it takes for the Teacher union loans to be processed

CCT –      2 weeks Max 4 weeks

GNAT –    3 weeks max 6 weeks

NAGRAT- 1-week  max 6 weeks

ATAG –     1-week max 5 weeks

This used to be the maximum duration it takes for your loan to be processed.

But in recent days according to the loan officers seekersnewsgh spoke with, they all seem to give the same answer, the number that has recently applied for loans is huge hence they are put in a queue and worked on them one after the other.

You must then know that your loan is delayed because you are placed in a queue.

This delay is worrying a lot of members as some have applied for months and have not received the money.


Usually during salary increments Teachers now have more affordability for a loan, hence the pressure increases.

Loan charts

we have all the loan charts available but speaking with some of the union officials minor changes have been made to some of them hence we will publish those here immediately after we confirm the changes have been done.


New Repayment Chart GNAT

Steps to Apply For CCT Loan on Your Phone-Online 


GNAT Loan Chart and the Types of Loans Available 2024



Salary, allowance, and affordability Updates you don’t want to miss Follow here 


Peter N. Djangmah is a multifaceted individual with a passion for education, entrepreneurship, and blogging. With a firm belief in the power of digital education and science, I am affectionately known as the Private Minister of Information. Connect with me
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