How to Borrow Airtime from 9mobile (Etisalat)

To Borrow airtime from 9mobile, dial *303# using your 9mobile number and follow the prompts. You will receive a notification containing details of your borrowed credit and the amount you will repay on your next recharge.

9mobile, one of Nigeria’s top cellular service providers, has a long history of offering upgraded services at affordable prices to their customers. They launched a service called “9mobile More Credit” that enables users to borrow airtime and repay it later effortlessly. When your airtime runs out, you won’t ever be left stranded again thanks to this service, and it only takes a few minutes. Here’s how to borrow airtime from 9mobile if you’re fed up with your 9mobile line dying at vital times.

Code to Borrow Airtime from 9mobile

The code to use for borrowing airtime on 9Mobile is *303#. This new code replaced the *665# we are known to use for borrowing airtime on the network. *303# is the newly unified code for borrowing airtime not just for 9mobile but for all other service providers in Nigeria, like MTN, GLO, and Airtel. This follows a new directive from the Nigerian Communications Commission (NCC) in March 2023, that all telecommunications providers should have harmonised USSD codes.

Eligibility Requirements for Borrowing Airtime on 9Mobile

Borrowing airtime from 9mobile is for the network subscribers who can meet the requirements. This means that getting credit with “9mobile More Credit” does not require any application process. However, you must meet certain requirements to take advantage of the service. Listed below are the requirements for eligibility.

  • You must be a prepaid subscriber. This means that, unlike postpaid subscribers, you pay for your airtime in advance and are not billed at the end of the month. If you’re unsure of what type of subscriber you are, you can find out by contacting 9mobile’s customer service department or by using the phone’s special code.
  • Your 9mobile line must be registered and active.
  • You must have made calls and recharged your 9mobile sim in the last 90 days. This is to show consistency. 9mobile wants to ensure that borrowers are responsible and reliable customers who can repay the borrowed airtime as agreed.
  • They determine the amount of airtime you can borrow at any time. However, the more you recharge, the higher your borrowing limit.
  • You must have a minimum recharge of N200 every month.
  • You must not have any outstanding loan

If you meet these eligibility requirements, you can borrow airtime from 9mobile.

Note: The amount you can borrow depends on your monthly recharge and usage history.

How to Borrow Airtime from 9mobile (Etisalat)

Borrowing airtime on 9mobile is simple and easy, and can be done using various methods as processed by the network service provider. The top three easiest ways you can borrow airtime from 9mobile are

  • Using the USSD Code
  • Via SMS
  • Via calling the Customer Care
  • Via 9mobile App

How much Airtime Can I Borrow from 9mobile?

The amount of airtime you can borrow from 9mobile more credit depends on your eligibility status, which is determined by your recharge history and usage pattern. The minimum amount you can borrow is N50 and the maximum is N2000. The available amounts you can borrow are listed below:

  • N50
  • N100
  • N200
  • N500
  • N1000
  • N2000

How to Borrow Airtime on 9mobile using USSD Codes

To borrow airtime from 9mobile using USSD, follow the steps below

  • Dial  *303#.
  • Once you get to the next menu, select ‘Borrow Airtime’
  • Choose the amount of airtime you want to borrow
  • Send then wait for a confirmation message.
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Alternatively, you can just dial *303*Loan amount#. For example, to borrow 500, dial *665*500# and wait for a confirmation message that the borrowing is successful. This is the easiest method to top up airtime on 9mobile and pay later.

Borrowing airtime on 9mobile Via SMS

To borrow airtime via SMS, compose a new text message with the format “amount#”. For instance, to borrow N100, your message should be “100#”. Then, send the SMS to 303, and you will receive a confirmation message indicating that the borrowing process was successful.

Note: Before you proceed with this, you should first check how much you’re eligible to borrow. You can do this by simply texting ‘Status’ (without quotes) to 303.

How to Borrow Airtime Using 9mobile App

This is another easy method to top up airtime on your phone. The only difference here is that this method requires that your phone has the 9mobile app (ig9ite) and it is well connected to the internet. To borrow airtime from 9mobile using the ig9ite App, do the following:

  • Download the ig9ite App from your app store, register an account, and log in. If you already have an account and the App, simply log in with your 9mobile details.
  • Tap on the “Airtime” option at the top of the page and choose “Borrow Airtime” from the list of options.
  • Choose the loan amount from the available options. The highest amount you can get depends on your recharge frequency over time.

How to Borrow Credit on 9mobile through Customer Care

If you prefer to speak to a customer service representative to direct you on how to borrow airtime, you can do so by calling 9mobile’s customer care line. The customer care representative will guide you through the process of borrowing airtime and answer any questions you may have. To put a call through, simply dial 200 with your 9mobile line and follow the instructions. 9mobile customer care line works 24/7 and is always ready to assist you.

How Can I Pay Back Borrowed Credits?

You’ll be charged a service fee of 15% on the amount you borrowed on 9mobile.  For example, if you borrow N100, you’ll receive N85 in your account, and N15 will be charged as a service fee. You’ll need to repay the borrowed amount plus the service fee when you recharge your account. Once you recharge, the amount you owe will be deducted automatically. Here’s a table that shows the amount you will receive and the total amount you will have to pay back for different borrowing amounts:

Borrowing Amount Amount Received Total Amount to Pay Back
₦50 ₦42.50 ₦50 + ₦7.50 (interest fee) = ₦57.50
₦100 ₦85 ₦100 + ₦15 (interest fee) = ₦115
₦200 ₦170 ₦200 + ₦30 (interest fee) = ₦230
₦500 ₦425 ₦500 + ₦75 (interest fee) = ₦575
₦1000 ₦850 ₦1000 + ₦150 (interest fee) = ₦1150


Note: You can repay the 9mobile airtime loan on your next recharge through the following methods

  • Recharge card vouchers
  • Electronic Top-up
  • Airtime transferred from other customers

It is, however, important to note that if the borrowed airtime is not paid back within the repayment period, late fines and other penalties may apply. Before borrowing airtime from 9mobile, it’s important to familiarize yourself with the payback terms to prevent late fines and other penalties.


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