How to Borrow Airtime on Airtel

Picture this: You’re about to make an important call or send a crucial text, and suddenly, you realize your Airtel airtime balance is at zero. We’ve all been there, right? Fortunately, Airtel offers a handy solution – borrowing airtime. If you’re an Airtel user and haven’t used this feature before, let me guide you through how to do it. It’s simpler than you might think and can be a real lifesaver.

To borrow airtime on Airtel, all you need to do is dial 500amount#. For instance, if you need to borrow NGN 100 worth of airtime, just dial 500100#. It’s that straightforward. Airtel’s service, known as Airtel Extra Credit, is designed to be quick and user-friendly, ensuring that you can stay connected even when your balance runs low.

Now, let’s dive into the details. To be eligible for Airtel Extra Credit, you typically need to have been an Airtel customer for at least three months and have a history of regular recharges. These criteria help Airtel determine your trustworthiness as a borrower.

Once you dial the code, you’ll receive a confirmation message, and the requested airtime will be credited to your account almost instantly. It’s important to note that Airtel charges a service fee for this convenience, usually about 15% of the borrowed amount. So, if you borrow NGN 100, you’ll receive NGN 85 in airtime.

Repaying the borrowed airtime is seamless. The next time you recharge your Airtel line, the amount you borrowed, plus the service fee, will be automatically deducted. This makes the process hassle-free and ensures you don’t forget to repay your debt.

Borrowing airtime on Airtel can be incredibly handy in emergencies or when you just can’t top up your account immediately. It’s one of those features that underline the flexibility and customer-centric approach of modern telecommunications services.

Remember, while this service is there to help you out in a pinch, it’s always good to keep track of your usage and repayments. Staying connected is essential, and Airtel Extra Credit is here to ensure that a low balance doesn’t stand in your way.

ALSO SEE: How to Borrow Money from Mtn


  1. What is Airtel Extra Credit?
    • A service by Airtel that allows you to borrow airtime when your balance is low.
  2. How do I borrow airtime from Airtel?
    • Dial 500amount#. For example, 500100# to borrow NGN 100.
  3. Who is eligible for Airtel Extra Credit?
    • Airtel customers with at least three months of active service and regular recharges.
  4. Is there a service fee for borrowing airtime on Airtel?
    • Yes, there’s typically a 15% service fee.
  5. How much airtime will I receive if I borrow NGN 100?
    • You will receive NGN 85, after the service fee deduction.
  6. How do I repay borrowed airtime on Airtel?
    • The amount is automatically deducted from your next recharge.
  7. Can I borrow airtime if I have an outstanding balance?
    • You need to clear any outstanding balance before borrowing more.
  8. Is Airtel Extra Credit available to all Airtel users?
    • It’s available to eligible prepaid users based on Airtel’s criteria.
  9. How often can I use Airtel Extra Credit?
    • As often as needed, provided you are eligible and have repaid previous borrowings.
  10. Can I borrow airtime for someone else on my Airtel line?
    • Borrowed airtime is credited to the line from which it is requested.
  11. What happens if I don’t recharge after borrowing?
    • Airtel will deduct the owed amount from your next recharge.
  12. Is there a maximum amount I can borrow?
    • Yes, the maximum amount depends on your account history and eligibility.
  13. How quickly do I receive the borrowed airtime?
    • The airtime is credited to your account almost instantly after the request.
  14. Can I use borrowed airtime for data or international calls?
    • Borrowed airtime can be used for any service that regular airtime covers.
  15. How long do I have to repay the borrowed airtime?
    • There’s no set repayment period, but it’s deducted from your next recharge.
  16. Can I check my eligibility for Airtel Extra Credit?
    • Yes, you can check by dialing the Extra Credit code.
  17. Do I pay interest on borrowed airtime?
    • The service fee acts like an interest, charged at about 15%.
  18. Can postpaid users access Airtel Extra Credit?
    • The service is typically for prepaid users.
  19. Will my credit score affect my eligibility for Extra Credit?
    • Airtel doesn’t use credit scores for eligibility; it’s based on your account activity.
  20. What should I do if I can’t access Extra Credit?
    • Ensure you meet the eligibility criteria and contact Airtel customer service for assistance.
  21. Can I transfer borrowed airtime to another Airtel user?
    • Borrowed airtime is typically non-transferable.
  22. Is there a fee for checking my Extra Credit balance?
    • Checking your balance is usually free.
  23. How do I check my Extra Credit balance?
    • Dial the same code used for borrowing airtime.
  24. Is Extra Credit available during roaming?
    • The service is generally not available while roaming.
  25. What happens if I switch from prepaid to postpaid with an outstanding Extra Credit balance?
    • The outstanding amount is usually required to be cleared before the switch.
  26. Can I borrow airtime to pay for subscription services like Airtel TV?
    • Yes, as long as you have sufficient borrowed airtime.
  27. What’s the maximum duration for borrowed airtime?
    • Borrowed airtime remains valid until your next recharge, regardless of duration.
  28. Can I request Extra Credit if my balance isn’t zero?
    • Yes, you can request Extra Credit even if you have some balance left.
  29. Is Extra Credit available on all Airtel tariff plans?
    • It’s available on most prepaid tariff plans.
  30. How does Airtel determine the amount I can borrow?
    • It’s based on your Airtel account’s usage history.
  31. Can I borrow airtime for another MTN user?
    • No, you can only borrow for the line you’re using.
  32. What are the consequences of not repaying Extra Credit?
    • Your ability to borrow again may be affected until you repay.
  33. Is Extra Credit a loan?
    • Technically, it’s a credit service with a fee, similar to a short-term loan.
  34. Can I cancel an Extra Credit request after making it?
    • Once airtime is credited, it cannot be reversed or cancelled.
  35. Are there any hidden charges with Extra Credit?
    • There are no hidden charges, but the 15% service fee applies to each transaction.
  36. How often is the eligibility criteria for Extra Credit updated?
    • Airtel periodically reviews and updates the eligibility criteria.
  37. Can I borrow airtime immediately after repaying a previous loan?
    • Yes, as long as you meet the eligibility criteria.
  38. Does borrowing airtime affect my regular recharge bonuses?
    • Borrowing airtime shouldn’t affect regular recharge bonuses.
  39. Can I borrow airtime to purchase data directly?
    • Once credited, the airtime can be used to purchase data.
  40. Is there a way to increase my borrowing limit?
    • Regular recharges and maintaining a good account standing can help increase your limit.

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