Running out of airtime happens, especially during emergencies. MTN offers a simple way for prepaid users in Nigeria to borrow airtime and repay it later. Whether you need to make a quick call, send a message, or access data, MTN XtraTime can help you stay connected.
For more options on borrowing loans through USSD, check out this USSD code for loans in Nigeria.
What Is MTN XtraTime?
MTN XtraTime lets eligible prepaid customers borrow airtime instantly. The borrowed credit is added to a separate XtraTime account. Repayment is automatic and deducted from your next recharge. Service fees apply.
Ways to Borrow Airtime from MTN Quickly
There are two reliable methods to borrow airtime: using a USSD code or calling MTN’s interactive voice menu.
How to Borrow Airtime from MTN Using USSD Code
Borrowing through USSD is fast and easy:
- Dial
*303#on your MTN line. - Choose “XtraTime” from the options.
- Pick your preferred airtime amount.
- Confirm the request.
Once approved, the credit is added to your XtraTime balance.
If you’re interested in exploring other loan options, such as data loans, here’s how to borrow data from MTN.
Borrowing MTN Airtime through the Voice Call Method
For those who prefer voice menus:
- Call
303directly. - Follow the audio prompts to choose a language.
- Select the “XtraTime” option.
- Choose an amount and confirm.
This option suits users unfamiliar with USSD codes.
How to Borrow Airtime from MTN via SMS
SMS is mainly used to check eligibility and XtraTime balance.
Checking Eligibility
Send STATUS to 303 to find out if you can borrow. MTN will respond with your current status.
Checking Your Balance
Text BALANCE to 303 to see how much borrowed airtime you have left.
Although you can’t request airtime directly through SMS, it helps to stay informed about your account.
How to Borrow Airtime for Someone Else
MTN XtraTime does not allow direct transfers to another person. Borrowed airtime stays with the original user.
If you need to help a friend:
- Borrow airtime for yourself.
- Use
*600*RecipientNumber*Amount#to transfer part of it.
Keep in mind that service fees will still apply.
Who Can Borrow Airtime?
Not every MTN user qualifies for XtraTime. MTN uses a set of rules to determine who can access the service.
General Requirements
To qualify:
- You must be a prepaid user.
- Your line must be active for at least three months.
- You must have recharged regularly (at least ₦200 per month).
- Your balance must be between ₦0 and ₦75 at the time of the request.
MTN updates these rules occasionally, so it’s smart to check by dialling *303#.
How Much Airtime Can You Borrow?
Borrowing limits depend on your recharge history and usage.
Available Amounts
Eligible users can borrow from ₦25 up to ₦5000. New users may see smaller amounts. Long-term users with higher monthly usage often get access to more options.
How MTN Decides Your Limit
MTN reviews how often and how much you recharge. The more you spend, the higher your chances of qualifying for larger amounts.
Repayment and Service Fees
When you borrow airtime, you agree to pay it back on your next recharge.
How Repayment Works
- The entire amount is deducted as soon as you recharge.
- You cannot access your main balance until the borrowed amount is repaid.
For example, if you borrow ₦100 and then recharge ₦200, MTN will take back ₦115 (including fees), leaving you with ₦85.
Understanding the Charges
MTN charges a 15% service fee. If you borrow ₦500, you receive ₦425 and repay the full ₦500.
Charges apply each time you borrow, even if you borrow again before repaying the first amount.
Let’s now find out how to stop xtratime loan on MTN.
How to Stop XtraTime Loan on MTN
- *Dial 303# to open the XtraTime menu.
- Select XtraTime.
- Choose Manage XtraTime.
- Select Deactivate XtraTime.
- Confirm your choice.
You will receive a confirmation message once the service is deactivated.
Alternative Methods to Deactivate XtraTime
- Via SMS: Send STOP to 321. Wait for a confirmation message.
- Using the MyMTN App:
- Open the app and log in.
- Navigate to Services or Borrowing Services.
- Select XtraTime.
- Tap on Deactivate or Opt-out.
- Contact MTN Customer Care:
- Dial 300 and follow the prompts to speak with an agent.
- Request to deactivate XtraTime on your line.
Questions People Often Ask
Can You Skip Paying Back?
No. MTN automatically deducts what you owe. Failing to pay back may block you from borrowing again.
How Many Times Can You Borrow?
You can borrow more than once, but only if your previous balance is low and you meet the borrowing rules.
Can You Extend Repayment?
There is no official extension. Once you recharge, MTN takes the owed amount immediately.
Can You Use Borrowed Airtime for Data?
Yes. Borrowed airtime works the same as regular credit. You can use it for calls, SMS, or data. For data loans, you can learn how to borrow data from MTN.
Conclusion on how to loan airtime on MTN
MTN XtraTime is helpful when you need airtime urgently. Whether you borrow ₦50 or ₦5000, the process is quick. Always check your eligibility, repay on time, and manage your usage wisely. Using USSD, IVR, or SMS, you’ll find it easy to borrow and stay connected when it matters most.
Article updated 2 weeks ago. Content is written and modified by multiple authors.
