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How To Borrow Airtime On Airtel: A Step-by-Step Guide

Are you running low on airtime? Don’t worry, Airtel has got you covered. We are going to learn how to borrow airtime on Airtel in this step-by-step guide.

At times, it is crucial to make an important call or send a text message, but the balance in your account is not sufficient to do so. In such scenarios, borrowing airtime from Airtel is inevitably necessary and of course the go-to solution for many people.

Airtel airtime borrows service otherwise known as “Extra Credit” allows subscribers to borrow airtime and repay later. 

This service has been designed to cater to the urgent needs of Airtel users who run out of airtime and are unable to recharge their accounts immediately and pay later at a convenient time.

Below, we will take a closer look at Airtel’s Extra Credit service, its benefits, and how to borrow airtime using this service.

So, let’s dive in and explore the world of Airtel Extra Credit.

Table of Contents

 Eligibility Requirements To Borrow Airtime On Airtel

To qualify for Airtel’s extra credit service and borrow airtime, there are certain eligibility requirements that must be met. These requirements include:

  • Registered Airtel SIM: 

To participate in the extra credit service, you must have a registered Airtel SIM card. This means that you must have gone through the SIM registration process and provided valid identification documents.

  • Active SIM for at least 3 months: 

Airtel requires that you have an active SIM card for at least two to three months before you can be eligible for the extra credit service. 

This requirement is in place to ensure that only loyal customers who have been using Airtel’s services for a considerable period can benefit from the extra credit service.

  • Minimum monthly recharge of N250: 

To be eligible for the extra credit service, you must recharge your Airtel line with a minimum of N250 every month. 

This condition is designed to encourage customers to use Airtel’s services regularly and to ensure that they are active users of the network.

  • No pending talk time loan: 

You cannot borrow from Airtel if you have an outstanding talk time loan. You must pay back any previous talk time loan before you can be eligible for the extra credit service.

Benefits of Airtel’s Extra Credit Service

  • Quick and easy access to airtime

With the Extra Credit service, Airtel customers can easily borrow airtime whenever they need it, even when they have no credit on their account.

  • No need to worry about emergency situations

The service is particularly useful for emergency situations where customers need to make urgent phone calls or send text messages, but don’t have enough credit on their account.

  • Convenient repayment options

Airtel customers can repay the borrowed airtime whenever they recharge their account. This makes it easy for customers to manage their credit without worrying about separate repayment schedules.

  • Simple eligibility requirements

Airtel’s Extra Credit service has simple eligibility requirements as shown above, which means that most Airtel customers can take advantage of the service.

  • Low service charge

Although there is a 15% service charge on borrowed airtime, the charge is relatively low, making it an affordable option for customers who need to borrow airtime.

How to Borrow Airtime on Airtel

When you need to borrow airtime from Airtel, the process is quick and straightforward, just ensure you have the requirement as itemized above and follow the steps below to get started.

  • Dial the code to borrow airtime from Airtel, *500*amount#. For instance, if you want to borrow N200, you would dial *500*200#.
  • After dialing the code, you will receive a message that your request is being processed. This may take a few seconds.
  • Airtel airtime amount that can be borrowed: N25, N50, N100, N200, N500, N1000, and N2000, and a 15% service charge will be removed.

NOTE: Once your request has been processed successfully, the airtime will be credited to your account, minus a 15% service charge as shown in the table above

To check your new account balance, simply dial *310# and press the call button. Your balance will be displayed on your screen.

It’s essential to note that the borrowed airtime has a validity period of two days, after which it will expire if not used. Also, ensure that you have met the eligibility requirements before attempting to borrow airtime.

Airtel Extra Credit Amount & Repayment

Airtime Loan (NGN)

Value* You Will Be Credited (NGN)

Amount You Pay Back (NGN)





















What is Airtel Extra Credit?

Airtel Extra Credit is a service that allows you to borrow airtime credit when you run out of airtime and pay it back when you recharge.

How do I borrow airtime from Airtel?

To borrow from Airtel, simply dial *500# on your Airtel line and follow the instructions on the screen.

How much Airtime can I borrow on Airtel?

The amount of airtime you can borrow on Airtel depends on your eligibility and your usage history. You can check your eligibility by dialing *500#.

What is the service fee for borrowing Airtime on Airtel?

Airtel charges a service fee of 15% on the amount of airtime you borrow. For example, if you borrow N100, you will be charged a service fee of N15.

How do I pay back the borrowed Airtime on Airtel?

Airtel will automatically deduct the amount you borrowed plus the service fee from your next recharge. If you recharge with N100, for example, and you borrowed N50, Airtel will deduct N57.5 (N50 for the airtime borrowed and N7.5 for the service fee) from your recharge balance.

What happens if I don’t pay back the borrowed airtime?

If you don’t pay back the borrowed Airtel, you will be barred from using the Extra Credit service in the future until you repay the debt.

Is there a limit to the number of times I can borrow From Airtel?

Yes, there is a limit to the number of times you can borrow from Airtel. Your eligibility and borrowing limit will be determined based on your usage and payment history.

Can I check my borrowing limit on Airtel?

Yes, you can check your borrowing limit on Airtel by dialing *500# on your Airtel line and following the prompts.

What happens if I have an outstanding loan balance and I want to borrow airtime again?

You will not be able to borrow airtime again until you have paid back the outstanding loan balance.

Can I borrow Airtime on Airtel if I am a prepaid customer?

Yes, you can borrow from Airtel if you are a prepaid customer.

Is the Airtel Extra Credit service available 24/7?

Yes, the Airtel Extra Credit service is available 24/7, so you can borrow airtime whenever you need it.

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Airtel’s extra credit service provides a convenient option for eligible customers to borrow airtime and stay connected with their loved ones. 

By following the eligibility requirements and the simple borrowing process, customers can access credit and pay it back upon recharge. 

However, I will encourage users to use this service responsibly and avoid overborrowing, as this can lead to indebtedness and financial difficulties. 

Remember to always pay back your loan upon recharge to maintain your eligibility for future borrowings. 

With Airtel’s extra credit service, staying connected has never been easier.


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