How to Borrow Airtime From Airtel Nigeria

The USSD code one can use to borrow airtime from Airtel Nigeria is *303#. You can also borrow airtime on the Airtel App and website.

Borrowing airtime from Airtel Nigeria is a convenient service provided by the telecommunications company to its subscribers. It allows users to obtain airtime credit immediately, even when they have insufficient balance to make calls or send text messages. This service is invaluable during emergencies or when users are unable to recharge their accounts with physical vouchers.

To borrow airtime from Airtel Nigeria, users must first meet certain criteria. They must be prepaid subscribers and have been active on the network for a specified period. Additionally, users should have a consistent history of recharging their account to be eligible for borrowing airtime. This article provides you with the different means and processes of borrowing airtime from Airtel Nigeria.

How to Borrow Airtime on Airtel

To borrow airtime on Airtel, follow these steps:

  1. Dial *303# on your Airtel line.
  2. Select the option to borrow airtime.
  3. Choose the amount you want to borrow from the available options.
  4. Confirm the transaction and you will receive the borrowed airtime in your account.
  5. You can also dial *303*amount#

Please note that borrowing airtime usually comes with a small service fee, and when you recharge your line next, the borrowed amount will be deducted along with the service fee.

Code to Borrow Airtime from Airtel

The USSD code to borrow airtime from Airtel Nigeria is *303#. Previously it was *500# but with the recent change of code by telecommunication companies, it has been changed to *303#. In case a customer mistakenly dials the old code, the list of the new codes and what they are used for will be listed instead.

How to Borrow Money from Airtel

To borrow money from Airtel, follow these steps:

  1. Check if you are eligible: Airtel offers loan services to its prepaid customers who have been active for a certain duration and regularly recharging their accounts.
  2. Dial the USSD code: Dial *303# from your Airtel mobile number to access the loan menu.
  3. Select option for loan: You will be presented with various loan options. Choose the one that suits your requirements.
  4. Confirm loan amount: After selecting the loan option, you will be asked to confirm the loan amount you want to borrow.
  5. Accept terms and conditions: Read and accept the terms and conditions associated with the loan.
  6. Receive loan amount: If you are eligible and meet the criteria, the loan amount will be credited to your Airtel account.
  7. Repayment: The loan amount will be deducted from your account balance during the next recharge. Make sure to have sufficient balance to cover the loan repayment.

Note: The loan amount, terms, and conditions may vary based on your eligibility and the specific loan offer available to you from Airtel.

Is there Another Code to Borrow Airtime from Airtel?

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Yes. There are other codes to borrow airtime from Airtel.

  1. Borrow Airtime: Another is *444#. This code is to recharge or borrow directly from the bank account linked with your Airtel line. Dial *444#, and press the call button. Follow the on-screen instructions to select the desired airtime amount to borrow.
  2. Recharge or borrow with Airtel Money: Dial *903#, and press the call button to access Airtel Money. Select “Buy Airtime” or a similar option, enter the amount, and confirm the transaction.
  3. Recharge a voucher: Dial *311# or dial *311*voucher digits#.
  4. Smartcash: Dial *939# to buy airtime and also borrow.

Terms and Conditions for Borrowing Airtime from Airtel

When borrowing airtime from Airtel, it’s important to adhere to the guidelines and regulations in place. These rules ensure a seamless borrowing process and help to avoid any unnecessary issues.

By following these guidelines, you can enjoy the convenience of borrowing airtime without any complications. Remember to always stay within the borrowing limits set by Airtel and to pay back the borrowed amount within the stipulated time frame. By doing so, you’ll continue to enjoy the benefits of borrowing airtime whenever you need it.

  1. Eligibility: Only prepaid Airtel customers who have been active on the network for a certain period of time are eligible to borrow airtime.
  2. Credit Limit: Airtel sets a specific credit limit for each customer based on their usage history, recharge frequency, and payment patterns.
  3. Service Fee: Airtel charges a small service fee for borrowing airtime. This fee is deducted from the borrowed amount at the time of repayment. The N25 loan carries a 20% service charge and you pay it back on your next recharge. 20% of the loan amount is levied, the consumer returns N25. While you repay the whole amount borrowed, a 15% service charge is applied to amounts between N50 and N2,000. The 15% service charge will be subtracted from the value that you will be credited with.
  4. Repayment Period: The borrowed airtime must be repaid within a specific timeframe. If not repaid within this period, Airtel may restrict your ability to borrow airtime in the future.
  5. Automatic Repayment: In some cases, Airtel may automatically deduct the borrowed amount and any applicable service fees from your next recharge. Ensure you have sufficient balance to cover the repayment.
  6. Loan Amount: The maximum loan amount or the borrowing limit is determined by Airtel and may vary based on factors such as usage, recharge patterns, and payment history.
  7. Borrowing Frequency: There might be restrictions on how frequently you can borrow airtime. This differs from one Airtel service area to another.
  8. Account Validation: Airtel may require you to verify your account details and provide necessary identification documents to avail airtime borrowing facility.
  9. Default Repayment: If you fail to repay the borrowed airtime within the specified period, Airtel may initiate debt collection procedures or take legal action against you for recovery.
  10. Terms and Conditions Changes: Airtel reserves the right to modify, alter, or terminate the borrowing facility, associated charges, or terms and conditions at any time without prior notice.

Why Can’t I Borrow From Airtel?

There could be several reasons why you may not be able to borrow from Airtel:

  1. Insufficient credit history: Airtel may require a certain level of creditworthiness for a customer to be eligible for borrowing services. If you have a poor credit history or insufficient usage on your Airtel account, they may deem you ineligible for borrowing.
  2. Outstanding balance: If you have any pending bills or outstanding balances on your Airtel account, you may not be able to borrow until those dues are cleared.
  3. Borrowing limit exceeded: Airtel may have a maximum borrowing limit, and if you have already reached that limit, you won’t be able to borrow further until you repay the previous borrowings.
  4. Regional restrictions: Some borrowing services may be limited to specific regions or countries. If you are in an area or country where Airtel does not offer borrowing facilities, you won’t be able to avail of those services.
  5. Technical issues: Occasionally, there may be technical issues or system glitches that prevent borrowing services from functioning properly. In such cases, it’s advisable to contact Airtel customer support for assistance.

It’s important to check with Airtel directly to understand the specific reasons why you may not be able to borrow from them, as they may have specific policies or requirements in place.

Borrowing airtime from Airtel Nigeria is a useful service that allows subscribers to stay connected even when they have insufficient balance. While it comes at a cost, it provides a lifeline for users during emergencies or when they are unable to recharge their accounts. These codes listed in this article will help you utilize this service.


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