Running out of airtime or credit while making a call or browsing the internet can be frustrating. Fortunately, Airtel allows prepaid users to borrow airtime, credit, or even data with just a few simple steps. Whether you’re using a smartphone or a feature phone, there’s an easy way to get credit when you need it most.
This guide explains how to borrow airtime or credit from Airtel using different methods. You will also learn how to pay it back and control the auto-borrow feature.
Who Can Use Airtel’s Borrow Service
Airtel’s credit service is available only to users who meet specific requirements. These requirements help determine eligibility for the service.
Eligibility for Airtel Borrowing Service
To qualify for the Airtel airtime loan or credit advance, you must meet these conditions:
- Be an active prepaid Airtel user
- Your line should be in use for a minimum of two months
- Regular recharges improve your chances of eligibility
- Any previously borrowed credit or airtime must be fully repaid before borrowing again.
Ways to Borrow Airtime or Credit from Airtel
There are two primary ways to borrow credit, airtime, or even data from Airtel:
- USSD code method (works on all devices, including feature phones)
- Airtel Thanks App (ideal for smartphone users)
Both are easy to follow and don’t require technical knowledge.
How to Borrow Airtime via USSD (Step-by-Step)
The USSD method works on all devices, including feature phones. It is the fastest way to borrow credit, especially if you have no data connection.
How to Borrow Airtime on Airtel via USSD (No Data Needed):
- Dial
*500#to access the borrowing menu - Choose Option 2 for Borrow Airtime or Credit
- Select an available amount to borrow (from as low as ₦25 or its equivalent)
- Confirm your selection, and the airtime will be added to your balance instantly.
Quick Dial Option
You can also borrow directly using the format below:*500*Amount#
Example: *500*100# to borrow ₦100 or its equivalent in your currency.
Borrowing via the Airtel Thanks App
If you have access to a smartphone and mobile data, the app method may be more convenient. It also allows you to view your credit history.
How to Borrow Airtime or Credit via the Airtel Thanks App:
- Download the Airtel Thanks App from Google Play or the App Store
- Open the app and log in with your Airtel number
- Tap on “Services” or “More”
- Select Airtime Loan or Credit Advance
- Choose the amount of borrowed airtime or credit you need
- Confirm to receive your instant credit or loan in a few seconds
The Airtel Thanks App is available on Google Play and App Store.
Country-Specific Airtel Borrowing Instructions
Borrowing options may vary depending on your country. Below are details for key regions where Airtel operates.
🇳🇬 Borrowing Credit in Nigeria
- Dial
*500#to access the credit menu - You may borrow as low as ₦25
- Eligibility depends on your recharge pattern
🇰🇪 How to Borrow in Kenya
- Dial
*310# - Choose “Credit Advance” from the options
- Borrowing may also be available through Airtel Money
🇿🇲 Zambia Borrowing Steps
- Dial
*588# - Look for the “Xtra Time” option
- Amounts range from K5 to K50
🇲🇼 Borrowing in Malawi
- Use the Airtel Money menu
- Find the loan or airtime advance feature
- Follow prompts to confirm the amount
Borrowing with AirtelTigo
Used in Ghana and some neighboring countries under the AirtelTigo brand:
- Dial
*554# - Choose “SOS Credit” or “Xtra Time”
- Confirm to receive the credit
Repayment for Borrowed Airtime or Credit
When you borrow airtime or credit, the borrowed amount is automatically deducted when you recharge next. Note that Airtel will also apply a small service fee on top of the borrowed credit.
For example, if you borrow ₦100, Airtel will deduct ₦115 (₦100 plus a service charge of ₦15) when you recharge.
How to Disable Auto-Borrow on Airtel
If you prefer to manage your balance and avoid automatic credit loans or airtime borrowing, you can easily disable the auto-borrow feature.
Here’s how:
- USSD Method: Dial
*500#and select the option to stop or manage auto-borrow - Airtel Thanks App: Open the app, go to Settings → Borrow Services, and turn off auto-borrow.
Frequently Asked Questions (FAQs)
What is the code to borrow airtime or credit on Airtel?
Dial *500# to access the credit menu. You can also borrow airtime by dialing *500*Amount#.
Can I borrow airtime multiple times on Airtel?
Yes, you can borrow multiple times if you repay the previous credit loan.
Is borrowed airtime transferable?
No, borrowed credit cannot be shared or transferred to another number.
How much can I borrow at once?
The amount you can borrow depends on your recharge pattern and credit history.
Wrap-Up: How to Borrow Airtel Credit
Borrowing airtime or credit from Airtel is quick and reliable. Whether you’re using USSD or the mobile app, the process is straightforward. Make sure to repay any borrowed credit promptly to maintain access to the service. If you prefer to manage your balance manually, disabling auto-borrow gives you more control.
For updates and support, contact Airtel customer service by dialing 111 or visit the official Airtel website.
Article updated 2 months ago. Content is written and modified by multiple authors.
