How to Borrow Data from 9mobile (Etisalat)

To borrow data from 9mobile (Etisalat), you can dial the USSD code *303#, use the Ig9ite app, or use the SMS method. The service is known as More Credit. It is a simple and convenient way to top up your data balance when you run out or when you need an addition to your existing balance. 

On 9mobile (previously Etisalat), you have to be consistent in your recharges before you can borrow data worth between ₦50 to ₦2,000. This article has documented all the ways to borrow 9mobile data in simple and efficient ways.

How to Borrow Data on 9mobile

There are many ways to borrow data from 9mobile; one of the easiest is using *303# code. The other ways to borrow are via SMS, the 9mobile app, and by reaching out to customer care service.

9mobile only gives data on credit to prepaid users of the network who have been consistent in recharging their lines in the past 3 months. In addition, how much you recharge determines how much you receive as a loan.

Here is a well-detailed account of every way to borrow data from the 9mobile network and pay on your next recharge.

Code to Borrow Data from 9mobile

The code to borrow data from 9mobile is *303#. This is a unified borrowing code for all networks in Nigeria, such as MTN, Glo, and Airtel. The code was introduced in early 2023 due to the directives of the Nigerian Communications Commission (NCC).

Before introducing this code, *665# was used as the code to borrow data from 9mobile. The new code (*303#) to borrow data from the network can also be used to borrow airtime from 9mobile. Therefore, in some cases, you can borrow airtime and use it to buy data.

Steps to borrow 9mobile data using *303# 

  • Dial *303# on your mobile device
  • On the menu, select the option Borrow Data
  • Select the data amount and proceed
  • You will receive a confirmation message if you are eligible


Apart from using the steps above to borrow airtime first, you can conveniently dial *303*loan amount#. For example, dial *303*500# and instantly receive airtime that can be converted to data.

How to Borrow Data From 9mobile Via SMS

Do you need to borrow 9mobile data via SMS? Simply follow the steps below:

  • Open your SMS app
  • Text the amount you want and add a hashtag at the end (eg, 200#)
  • Send the SMS to 303, and you will receive a confirmation.

NOTE: This will enter your phone not as direct data but as airtime. Use the airtime to buy data.

How to Borrow 9mobile Data Using APP

Another convenient and effective way to borrow data from Etisalat or 9mobile is through the 9mobile app known as the Ig9ite App. To continue with this method, having a smartphone and having a little data available is important.

In a case where you’re totally out of data, you may want to use Wi-Fi. In any case, here are the steps to follow to borrow 9mobile data on the 9mobile app.

  • Download the Ig9ite mobile app from your app store if you do not have an existing app on your phone
  • Register if you are a new user, or log in if you are already registered on the platform
  • Navigate to borrow data of airtime options and click
  • Choose the loan amount from the available options. If you choose to borrow airtime at this point, you can convert the airtime to data

How to Borrow 9mobile Data From Customer Care

You can always borrow data from 9mobile with the help of a customer care representative or by following a voice prompt. To achieve this, dial 9mobile customer care representative number 300 (formerly 200). Follow the voice prompt and select an option to speak to a customer care representative. The customer care representative will guide you through how to receive a data loan.

You can also reach out to 9mobile customer care by calling 08090000300, sending a WhatsApp message to 09092000192, or sending an email to [email protected].

How to Know if You Are Eligible to Receive Data Loan from 9mobile

Before you can enjoy a data loan from 9mobile, all that is needed from you is to be eligible for borrowing. This means that you must meet certain criteria to enjoy borrowing data. Your eligibility also determines how much data you can receive as a loan.

See also  How to Transfer Airtime or Data on 9mobile (Etisalat)

The following are all the requirements needed to be eligible to borrow data from Etisalat.

  • The borrower or potential borrower must be a prepaid subscriber. You can check what type of subscriber you are by contacting the service provider’s customer care
  • Your line must be duly registered and be active
  • Your line must have been recharged frequently in the past 90 days (three months). In these 3 months, you must have recharged with at least 200 every month
  • The amount you recharge determines how much data you can be given. For instance, the lowest airtime rechargers can only get the lowest amount of data (50 MB), while people who recharge higher amounts can borrow

How Much Data Can You Borrow from 9mobile?

The least amount you can borrow from 9mobile is 25 MB worth 50 Naira to as high as data worth 2,000. The data you will borrow depends on your eligibility status. This means that the frequency and amount of your recharge on your mobile is a huge determinant with respect to how much you can receive from 9mobile as a loan.

It is important to note that customers can borrow multiple advances up to the maximum of their qualified amount before repayments. This means that if your maximum qualified loan is ₦2,000, you can borrow data worth ₦200 multiple times regardless of whether you have an outstanding loan.

How to Pay Back Borrowed Data

On your next recharge or when you receive airtime from another line, 9mobile will automatically withdraw from your account. This withdrawal will not be in the form of data but airtime.

For instance, if you borrowed 25 MB for 50 Naira, 9mobile will deduct 57.5 Naira from your account on your next recharge.

It is important to note that at the time you are borrowing, a 15% interest will be added to your loan amount. If you borrow 25 MB for 50 Naira, you will pay back 57.5 Naira (addition of 7.5 Naira loan interest).

In addition, if you do not have enough funds to pay back your loan data all at once, a partial deduction can occur. This means that the service provider will only deduct based on the amount that is present in your account.

For instance, if you borrowed data worth 500 Naira but you recharge only 400 Naira on your next recharge, 9mobile will deduct the 400 Naira. Then, you will have an outstanding balance of 175 (including 15% interest on the 500 data borrowed).

The outstanding fee will be deducted on your next recharge until you fully pay back all outstanding debt.m

Summary of the Methods to Pay 9mobile Loan Data 

  • You can pay back the airtime loan with recharge card vouchers or an e-top-up
  • The loan amount can be deducted from transferred airtime from other customers
  • You can pay back the loan on your next recharge

How Long Can You Borrow 9mobile Data For?

You can borrow for a short or longer period as long as your line is still active, and you will eventually recharge. However, it is important to pay within three months so as to be eligible to borrow data again.

If it takes up to 3 months without you paying off your data loan, you will automatically be ineligible to borrow again. You will have to spend another three months consistently recharging to be eligible again.

Is There a Penalty for Late Repayment of Borrowed Data?

Yes, 9mobile will penalize any borrower who has not paid their loan within 3 months. After this period, you will automatically be opted out from getting loans (whether data or airtime) from 9mobile.

If this happens, you will not be able to receive a loan of airtime or data until you are consistent again with recharging.

Also, your maximum amount will also reduce over time. For instance, if your maximum data loan amount is worth ₦2,000, it may be reduced to as low as ₦200. Then, it will increase only if you commit to returning loans.


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