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With this method, you will never run out of airtime again in Nigeria, and it does not matter whether you are using MTN Nigeria, Globacom, Airtel or 9Mobile, You can now borrow credit from any of this networks and pay back later.

  • Are you in a tight corner where you don’t have money?
  • Are you in a place where you can’t see any shop to buy recharge cards?

Then don’t worry, You can just borrow and pay back later on your next recharge! It is as simple as that! Although all the above mentioned Networks makes it easy to borrow airtime, they each have their own special unique codes for airtime borrowing. Here is how to borrow airtime from either Mtn, Airtel, Glo or 9Mobile.

Recommended: List of All MTN Tariff Plans and Migration Codes

Important Note

It is very important to note here, that the exact amount which you borrowed will be deducted on your next recharge, and it’s automatic. You don’t need to dial any special code to pay, You just need to recharge your simcard, and the network will take back their loan given to you.

Airtime Codes Summary Table


Airtime Recharge Code

Airtel *126*PIN#
Etisalat *222*PIN#
Glo *123*PIN#
MTN *555*PIN#
Ntel N/A
Smile N/A

How can I borrow money from MTN?

MTN : To borrow airtime from MTN, simply dial *600*amount# or you dial *600# AND follow the instructions.

All interested persons should take note that this feature is available, only to prepaid subscribers who recharge at least ₦500 monthly only.

Also take note that the minimum amount of money you can borrow, is ₦50. However, you should note that this service attracts a 10% charge from your next recharge. Which is to say, if you borrow ₦1,000 airtime, you will be credited with ₦900. But you will also be charged ₦1,000 on your next recharge.

How to Borrow Money from 9Mobile

ETISALAT : To borrow airtime from 9Mobile, simply dial *665*amount# or dial *665# and follow the instructions. This means if you want to borrow ₦500 airtime from 9mobile, you will have to dial *665*500#.

Requirements and Instructions

This service is available to all customers on the 9Mobile network. However, this feature is available only to subscribers who usually recharge at least ₦900 monthly or above.

Just like MTN Nigeria, users who loan credits/airtime from 9mobile are charged 10%. If you borrow  That is, if you borrow ₦100 airtime, your will be credited with ₦90.

How to Borrow Credit from GLO

GLO: All subscribers should take note that for them to borrow airtime from GLO, they are required to do the following listed below.

Step 1: You must create a 4 digits pin. To create this 4 digit pin, simply dial *321# then create a 4 digit pin of your choice which you can easily remember.

Step 2: When you’ve successfully create the pin, then you can proceed and borrow the airtime. Dial *321*pin*amount you want to borrow#. E.g *321*4535*200#.

Requirements and Instructions

Unlike other networks like MTN, 9Mobile and Airtel, with Glo, customers can easily borrow up to the highest amount they have recharged since joining the network. However, all new subscribers need to be on the GLO network at least 4 months before they can borrow airtime.

Just like other telecommunication networks in Nigeria, you will be charged a 10% fee for credit loan. The amount you will receive should be 10% less as service charge. Which is to say, if you request for ₦500 credit, you will be credited with N450 while N50 goes to Glo as their service charge.

How can I borrow airtime from Airtel?

AIRTEL : Borrowing credit from Airtel Nigeria is quite simple. To borrow airtime from Airtel, simply dial *500*amount# and you will automatically be credited with the amount you borrowed. For example, dial *500*200# to borrow ₦200.

Requirements and Instructions

To borrow airtime on Airtel, you have to be qualified and eligible. You need to be a consistent subscriber on Airtel for at least, three (3) months and you must have made a minimum recharge of ₦250 monthly before you can be eligible for Airtel credit loan service.
Like other networks in Nigeria, you will receive the amount you requested for, but with a 10% service charge. Which is to say, if you request for ₦100 credit, you will be credited with ₦90, and ₦10 goes to Airtel for the credit loan, which is also known as service charge.