How to Borrow Credit from Mtn

Ever found yourself in a pinch, needing to make an urgent call or send a crucial message, but your MTN airtime balance is glaringly low? You’re not alone. Luckily, MTN offers a lifesaver service – the ability to borrow airtime. It’s a straightforward process, and I’m here to guide you through it, step by step.

If you’re looking to borrow credit from MTN, you’ll be delighted to know that the solution is right at your fingertips. The key is the MTN XtraTime service. This service is designed to help you stay connected even when your balance hits zero. Here’s how you can access it: Simply dial *606# on your MTN line. The menu that appears will show you various options, including the amount of airtime you can borrow.

Now, let’s talk eligibility. MTN has certain criteria to determine if you can use the XtraTime service. Generally, you need to have been an MTN customer for at least three months and be a regular user of their services. This includes making calls, sending SMS, and using data. Also, keeping your SIM active and regularly recharging it increases your chances of being eligible.

Once you’ve dialed *606#, you’ll see options like ‘Request XtraTime’, ‘Check Eligibility’, and ‘XtraTime Balance’. If you’re eligible, select ‘Request XtraTime’, and choose the amount of airtime you wish to borrow. The denominations usually range from small amounts like NGN 50 to larger sums like NGN 1000, accommodating different needs.

But remember, this borrowed airtime isn’t free. MTN charges a service fee of about 15% on the borrowed amount. So, if you borrow NGN 100, your MTN line will be credited with NGN 85. It’s a small price to pay for the convenience and instant connectivity it offers.

Repaying is just as simple. The next time you recharge, MTN deducts the borrowed amount plus the service fee. It’s seamless and hassle-free.

So there you have it – borrowing credit from MTN is a breeze. It’s one of those services that epitomize the convenience mobile technology brings into our lives. Whether you’re in an emergency or just short on credit, MTN XtraTime is your reliable fallback. Stay connected, always.


  1. What is MTN XtraTime?
    • It’s a service by MTN that allows you to borrow airtime when your balance is low.
  2. How do I access MTN XtraTime?
    • Dial *606# on your MTN line to access the service.
  3. Who is eligible for MTN XtraTime?
    • MTN customers with at least three months of active service and regular usage are typically eligible.
  4. What kind of usage makes me eligible for XtraTime?
    • Regular calls, SMS, and data usage contribute to eligibility.
  5. Can I check my eligibility for XtraTime?
    • Yes, dial *606# and select ‘Check Eligibility’.
  6. What amounts can I borrow with XtraTime?
    • Amounts range from small sums like NGN 50 to larger ones like NGN 1000.
  7. Is there a service fee for borrowing airtime?
    • Yes, MTN charges about a 15% service fee.
  8. How much airtime will I receive if I borrow NGN 100?
    • You will receive NGN 85, considering the 15% service fee.
  9. How do I repay the borrowed airtime?
    • The borrowed amount is automatically deducted from your next recharge.
  10. What happens if I don’t repay the borrowed airtime?
    • MTN will deduct the owed amount the next time you recharge your account.
  11. Can I borrow airtime if I have an outstanding XtraTime balance?
    • Typically, you need to settle any outstanding balance before borrowing more.
  12. Is MTN XtraTime available to all MTN users?
    • It’s available to eligible prepaid users based on MTN’s criteria.
  13. How often can I use XtraTime?
    • You can use it as often as you need, provided you meet the eligibility criteria and have repaid previous borrowings.
  14. Can I borrow data using XtraTime?
    • XtraTime primarily offers airtime, but MTN has other services for borrowing data.
  15. Is the XtraTime service available 24/7?
    • Yes, it’s available at any time.
  16. How long do I have to repay the borrowed airtime?
    • There’s no set repayment period, but it’s deducted from your next recharge.
  17. Can I choose the amount I want to borrow?
    • Yes, you can choose from the available denominations when you request XtraTime.
  18. What if I don’t use all the borrowed airtime?
    • Any unused airtime will remain on your account until you use it or it expires.
  19. Is there a limit to how much airtime I can borrow?
    • Yes, the limit depends on your usage history and eligibility.
  20. How quickly do I get the borrowed airtime?
    • The airtime is credited to your account instantly after requesting.
  21. Do I pay interest on borrowed airtime?
    • The service fee acts like an interest, charged at about 15%.
  22. Can postpaid users access XtraTime?
    • XtraTime is typically for prepaid users.
  23. Will my credit score affect my eligibility for XtraTime?
    • MTN doesn’t typically use credit scores for eligibility; it’s based on your MTN account activity.
  24. Can I use borrowed airtime for international calls?
    • Yes, you can use it for any service that regular airtime covers.
  25. What should I do if I can’t access XtraTime?
    • Ensure you meet the eligibility criteria and contact MTN customer service for assistance.
  26. Can I transfer borrowed airtime to another MTN user?
    • Borrowed airtime is typically non-transferable.
  27. Is there a fee for checking my XtraTime balance?
    • No, checking your balance is free.
  28. How do I check my XtraTime balance?
    • Dial *606# and select ‘XtraTime Balance’.
  29. Can I use XtraTime during roaming?
    • XtraTime is generally not available while roaming.
  30. What happens if I switch from prepaid to postpaid with an outstanding XtraTime balance?
    • The outstanding amount is usually required to be cleared before the switch.
  31. Can I borrow airtime to pay for subscription services like MTN Music+?
    • Yes, as long as you have sufficient borrowed airtime.
  32. What’s the maximum duration for borrowed airtime?
    • Borrowed airtime remains valid until your next recharge, regardless of duration.
  33. Can I request XtraTime if my balance isn’t zero?
    • Yes, you can request XtraTime even if you have some balance left.
  34. Is XtraTime available on all MTN tariff plans?
    • It’s available on most prepaid tariff plans.
  35. How does MTN determine the amount I can borrow?
    • It’s based on your MTN account’s usage history.
  36. Can I borrow airtime for another MTN user?
    • No, you can only borrow for the line you’re using.
  37. What are the consequences of not repaying XtraTime?
    • Your ability to borrow again may be affected until you repay.
  38. Is XtraTime a loan?
    • Technically, it’s a credit service with a fee, similar to a short-term loan.
  39. Can I cancel an XtraTime request after making it?
    • Once airtime is credited, it cannot be reversed or cancelled.
  40. Are there any hidden charges with XtraTime?
    • There are no hidden charges, but the 15% service fee applies to each transaction.

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