How to Borrow Airtime/Credit on Any Network in Nigeria,

When it comes to Nigerian service providers, you no longer have to be scared of running out of call credit or airtime as you can easily borrow or loan airtime from various Nigerian service providers such as MTN, Airtel, Etisalat and Glo with an option to pay back later when you recharge.

This comes in handy in situations where you find yourself in an area without recharge centers and urgently need to recharge credits to your phone for calls.

In this post, I’ll guide you through the various procedures and requirements to be able to borrow airtime from the said service providers in Nigeria.

How To Get Airtime Loan From Airtel

Airtel is the first service provider to implement this package in Nigeria in 2013 under package nicknamed Airtel Talktime. This allows customers to top up their credits or airtime without having to use recharge cards but only as a loan to pay later. Below are the requirements before you can be able to borrow airtime on your Airtel line.

 >> Your line must be up to 3 months old.
 >> You must be a prepaid customer whose line is not suspended.
 >> You must have repaid all outstanding loan airtime collected previously.

Now you’ve known the requirements to borrow airtime on the Airtel line, here is the procedure involved.
You can initiate the lending on Airtel by dialing *500# and follow the steps to choose either N50, N100, N200 or N500.
Use the following codes below to choose any one of the airtime loans on airtel.

 >> Dial *500*50# for N50
 >> Dial *500*100# for N100
 >> Dial *500*200# for N200
 >> Dial *500*500# for N500

How To Borrow Airtime (Credit) From MTN

In line with the Airtel Talktime, MTN introduced the MTN Xtratime plan for eligible customers. With this package you can easily loan call airtime from MTN and pay later. For now, the only know eligibility criteria is been a prepaid customer having between N0 – N12 airtime.

Other criteria are not yet spelt out such as the number of months of usage or monthly recharge minimum.

To Check your loaning eligibility on MTN, perform transactions (i.e to borrow the airtime on MTN), simply dial *606#.

Note: MTN deducts a 10% fee for whatever amount you borrow. Meaning that if you loan N100 airtime, you’ll be given N90 and you’ll have to pay back later N100 when you recharge. This is actually a downside anyway.

How To Borrow Airtime From Glo

It’s quite simple to get an airtime loan from Glo tel-network provider in Nigeria. All you need do is follow the below laid down procedures.

Dial *321# and create a 4 digit PIN which you’ll be using for your airtime borrowing transactions.
Now to borrow airtime from Glo, dial *321*PIN*Amount you wish to borrow#
That’s how you can easily loan airtime freely using the Glo SIM network.

Note: You will be charged 5% of every transaction you make unlike MTN which goes for 10%.

How To Get Airtime Loan From Etisalat

To check your Loan Status, send DEBT in an sms to 665

While to borrow, dial *665*Amount# . For instance, *665*100# to loan N100, *665*200# to loan N200 and *665*500# to loan N500

IMPORTANT NOTE:

You must be eligible for the service before you canbe able to borrow airtime as stated above all the requirements on the networks.

When you recharge, they deduct your borrowed money and the commission they assigned to the network condition.

You can check for eligibility before requesting for airtime.