How To Borrow airtime from Airtel Nigeria

Last Updated on July 15, 2024 by admin

With Airtel Credit Loan Service , subscribers can borrow data when they run out and repay back on their next recharge. This is a perfect solution to reload your phone for data at times of emergency and pay back later. 15% service charge applies

Sometime the need to renew our data plan emerges when we don’t have money or we can ‘t get credit either from our bank account due to network challenges. You can borrow data as many times as possible as long as you are within credit limit

In this post we’ll  show you how to borrow data from Airtel Nigeria one of the most popular mobile operators in the country ,but remember before borrowing from Airtel you have to be eligible to borrow.

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Note: you are required to keep your line active for at least three consecutive months with airtime recharge and usage for each month. This will determine your eligibility for the service also You cannot receive a new airtime data loan without paying your current airtime or data loan.

How to check if you are eligible for Airtel Credit Loan Service?

Dial 303#: This code will bring up the Airtel Extra Credit menu. If you’re eligible, you’ll see options to borrow airtime. If not, you might get a message indicating ineligibility.

Ineligible customers who try to use Data CLS will be prompted to recharge at least N100 monthly to qualify


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How to borrow data from Airtel

To borrow data or MB from Airtel, do the following

1.On your airtel mobile phone,Dial  *303#
2.Choose option 3 for Borrow Data
3.Choose the amount of MB you’d like to borrow from the options.
10MB goes for #50, 50MB for #100, and 200MB for #200.

Option 2

You can also borrow data by dialing : *303*50# for N50 airtime

*303*100# for N100 airtime

*303*200# for N200 airtime

*303*500# for N500 airtime.

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Who can use airtime Airtel Credit Loan Service?

Eligibility Criteria to borrow :

  •  You must be an active Airtel prepaid customer with an active SIM card.
  • You need to have a history of regular usage and recharges on your Airtel line, indicating you’re a reliable user.
  •  Your data balance should be low or completely depleted to trigger eligibility
  • You shouldn’t have any pending payments from previous usage or other Airtel services.

How to borrow airtime from Airtel Borrowing of airtime

To borrow Airtime from Aitel, you need to The airtel service WHICH IS called Airtel Talk Time Advance. It enables you to keep talking when you run out of credit at the most unexpected moment, so this service gives an opportunity to make urgent calls.

1.Dial *303#
2.Then Choose option 2 for Borrow credit
3.Choose the amount of credit you’d like to borrow from the options.

How much can you borrow?

The amount of Airtime you can loan depends on how much your monthly is and your credit history with the Airtel mobile network. This means that the more you recharge and the more you use the loan service, the more data you can borrow.

The least amount you can borrow from Airtel is 25MB. Other loan options include 50MB, 100MB, 500MB, 1.5GB, 2 GB, and more.

.How to pay for the data you borrowed

The repayment of loans is always automatic. Your network provider will deduct the airtime value of your data loan upon your next recharge.

If your next recharge is not equivalent to the amount you owe, the entire top-up will be credited to your network provider and the remaining balance will be automatically deducted upon your next recharge.

How do I check my airtime Borrow on Airtel?

1. USSD Code:

  • Dial *310# and follow the prompts to view your “Smart Try” balance, which is the amount of data you’ve used on credit and need to repay on your next recharge.

2. Airtel Thanks App:

  1. Download and install the Airtel Thanks app on your smartphone.
  2. Log in with your registered Airtel number and password (or use the OTP option).
  3. Navigate to the “My airtime” or “airtime Usage” section.
  4. Your data loan balance should be displayed alongside your regular data balance.

3. Customer Care:

  • Call Airtel customer care at 300.
  • Ask the representative to help you check your outstanding balance for airtime used on credit.

How to repay borrow airtel airtime back

  1. When you recharge your Airtel line after using credit, the cost of the airtime, along with any associated service fees, will be automatically deducted from your airtime balance.

  2. If your recharge amount is sufficient to cover the entire cost of the airtime and fees, your debt is cleared immediately.

  3.  If your recharge amount is not enough, the available amount will be deducted, and the remaining balance will be carried over to your next recharge.


Let’s say you used N600 of AIRTIME  on credit through “Smart Try,” and the cost is ₦600. If you recharge ₦1000, the following will happen:

  • ₦600 will be deducted to repay the  credit.
  • You’ll have ₦400 remaining from your recharge.

Frequently Asked Questions 

Q: Can I borrow airtime from Airtel if I am a new subscriber?

In general, new Airtel subscribers are not immediately eligible to borrow airtime through the Extra Credit service. Airtel usually requires a certain period of active usage and a consistent recharge history to assess your creditworthiness before granting you access to borrowing features.

Q: What happens if I am unable to repay the borrowed airtime within the specified timeframe?

If you’re unable to repay the borrowed airtime within the specified timeframe on Airtel, several consequences may occur:

  1.  Airtel may restrict your access to certain services, such as outgoing calls and SMS, until the outstanding balance is cleared.

  2.  You might be temporarily or permanently barred from using the Extra Credit service in the future.

  3.  Airtel might impose additional fees or penalties for late repayment.

Q; Is there a limit to how many times I can borrow airtime from Airtel?

There isn’t a fixed limit on the number of times you can borrow airtime from Airtel through their Extra Credit service. However, your ability to borrow repeatedly will depend on a few factors:

  1. Airtel closely monitors your repayment behavior. If you consistently repay your borrowed airtime promptly, your chances of borrowing again increase. However, if you have a history of late or non-payment, your access to the service may be restricted.

  2.  If you have an existing outstanding balance on your Extra Credit account, you might not be eligible to borrow again until you fully repay the previous loan.

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Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies For Advertisement, Content marketing andsponsored post: contact :
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2 thoughts on “How To Borrow airtime from Airtel Nigeria

  1. you can borrow airtel data by following this process.

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

    Dial : *500# or *121#
    2.Choose option 3 for Borrow Data
    3.Choose the amount of MB you’d like to borrow from the options.
    10MB goes for #50, 50MB for #100, and 200MB for #200.

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