Last time I shared with you the basic steps to Check Airtime Balance on MTN, Airtel, Glo and 9Mobile. Today I will be showing you how to Borrow Airtime from MTN, Airtel, Glo and 9Mobile in 2025.
Running out of Airtime in the middle of a call, a chat, or a business deal can be discouraging.
In today’s fast-paced, hyper-connected world, instant solutions are not just luxuries – they are necessities.
That’s where airtime borrowing comes in handy.
Thankfully, major Nigerian networks like MTN, Airtel, GLO, and 9Mobile – have made borrowing airtime a seamless experience.
All thanks to NCC harmonising the USSD codes for all mobile networks.
Previously, they had used different codes for similar actions, but not anymore.
This guide covers everything: step-by-step borrowing methods for each network, eligibility criteria, hidden charges, and expert tips to make your airtime top-ups hassle-free in 2025.
Airtime Borrowing: What It Means and Why It Matters?
Airtime borrowing is a value-added service that allows subscribers to request and receive airtime loans from their telecom providers, repaid during their next recharge.
It’s a lifeline during emergencies, particularly when banks or recharge cards are inaccessible.
Key features of airtime borrowing include:
- Immediate credit to your line
- A nominal service fee deducted upfront
- Automatic repayment on your next recharge.
It’s popular because it offers convenience, peace of mind, and uninterrupted communication when you need it most.
Eligibility Criteria for Borrowing Airtime on MTN, Airtel, GLO, and 9Mobile
Before you dial those codes, it’s important to know the basic requirements:
- A registered SIM linked with valid identification
- Minimum active usage period (usually 3–6 months)
- Satisfactory recharge history
- No outstanding unpaid airtime loans.
Each network fine-tunes its criteria slightly, but ensuring your line is consistently active and recharged regularly boosts your eligibility.
If you’re not currently eligible, increasing your recharge frequency and usage can help.
How To Borrow Airtime from MTN In 2025
MTN’s XtraTime service remains a favourite for its simplicity. Here’s how to access it:
- Dial *303# on your MTN line.
- Select “XtraTime” from the menu.
- Choose your preferred airtime loan amount.
- Confirm the loan terms, including the service fee.
- Receive the airtime instantly on your line.
Charges: MTN deducts a 15% service fee upfront. Repayment occurs automatically on your next recharge.
Troubleshooting: If the transaction fails, check if you have any pending loans or confirm your line’s eligibility via *303#.
How To Borrow Airtime from Airtel In 2025
Airtel’s Extra Credit Service ensures you’re never stranded without airtime. Follow these steps:
- Dial *303#.
- Choose “Borrow Airtime” from the options.
- Select your desired loan amount and approve the prompt.
Charges: Airtel charges a nominal fee (typically around 15%) deducted immediately.
Pro Tip: Always check for eligibility updates and pending loans through *303# before initiating new requests.
How To Borrow Airtime from GLO In 2025
GLO’s Borrow Me Credit service is designed for convenience, especially for loyal subscribers. Here’s the process:
- Dial *303# on your GLO line.
- Follow the onscreen prompts to select the airtime amount you want to borrow.
Eligibility Conditions: You must have an active GLO SIM for at least three months and a consistent recharge history.
Fees: Like other networks, GLO deducts a service fee upfront.
How To Borrow Airtime from 9Mobile In 2025
9Mobile’s More Credit service is straightforward and efficient. To get airtime:
- Dial *303#.
- Select “Borrow Credit” from the menu.
- Confirm your preferred loan amount.
Important: Ensure your SIM has been active for at least 90 days and your account is in good standing.
Repayment: Deducted automatically from your next recharge.
Service Charges and Hidden Costs: What You Should Know Before Borrowing
Every airtime loan comes with its little print. Here’s the breakdown:
- MTN: 15% service fee
- Airtel: Approx. 15% service fee
- GLO: Service fee varies slightly based on loan amount
- 9Mobile: Around 15% service fee.
The loan amount you see and the credited amount differ because the service fee is deducted instantly.
Always borrow wisely, only what you absolutely need – to avoid unnecessary deductions.
Top Tips for Borrowing Airtime Responsibly
- Borrow Only When Necessary: Avoid accumulating airtime debts unnecessarily.
- Repay Promptly: Clear borrowed amounts quickly to maintain eligibility.
- Track Your Loans: Use mobile apps like MyMTN, MyAirtel, Glo Café, and 9Mobile ig9ite for easy loan monitoring.
- Stay Eligible: Regularly recharge and use your line to keep your borrowing privileges active.
Alternative Options to Borrowing Airtime in Nigeria
If borrowing isn’t ideal for your situation, explore these alternatives:
- Airtime Transfer: Request a top-up from friends or family.
- Data Gifting: Some networks allow subscribers to gift data, which can be used for voice calls via apps.
- Mobile Banking Recharge: Use bank USSD codes or apps like Opay, Palmpay, and Quickteller for instant top-ups.
Exploring these alternatives helps you maintain your financial discipline while staying connected.
Frequently Asked Questions About Borrowing Airtime And Data
1. Can I borrow airtime if I have an outstanding loan?
No. Clear existing debts first to re-qualify.
2. How many times can I borrow airtime in a day?
It depends on your recharge history and current balance, but multiple requests are allowed if you meet the criteria.
3. What happens if I don’t repay my borrowed airtime on time?
Your future recharges will automatically be deducted until the loan is cleared.
4. Is there a limit to how much I can borrow?
Yes. Each network sets limits based on your usage and recharge patterns.
5. Can I borrow data instead of airtime?
Yes. MTN, Airtel, GLO, and 9Mobile offer data borrowing services too.
6. How do I check my borrowed airtime balance?
Dial *303# and navigate to “Loan Balance” to see your outstanding loan.
Conclusion
Borrowing airtime from MTN, Airtel, GLO, or 9Mobile in 2025 is easier than ever.
Whether it’s a quick emergency call or urgent online access, knowing how to borrow airtime ensures you’re never left stranded.
Stay responsible with your loans, explore alternative recharge methods, and take advantage of your network’s customer support whenever necessary.
For more tips, check out our guides on Top 10 Mobile Apps for buying Data and Airtime and How to buy Airtime Online in Nigeria to stay ahead of your communication needs.
Explore more mobile service hacks, and don’t forget to share your airtime borrowing experiences in the comments below.
Stay Connected Anytime, Anywhere – Enjoy!
