How to borrow Airtime from 9mobile {Etisalat} and Re-payback

Running out of airtime can happen to the best of us. Whether you need to make an urgent call, send an important message, or simply stay connected, having access to airtime when you need it is crucial. With 9mobile’s Airtime Borrowing service, you can say goodbye to those moments of panic and stay connected whenever, wherever.

.As mobile communication plays a crucial role in everyday life, having the option to borrow airtime can be a lifesaver in emergency situations or when running low on credit. 9mobile, formerly known as Etisalat Nigeria, is one of the leading mobile network providers in Nigeria, and they offer a range of services, including airtime borrowing.

To address this issue, 9mobile offers a convenient airtime Borrowing service that allows users to borrow call card  when needed and repay it later.

This article aims to provide a comprehensive guide on how users can conveniently borrow airtime in times of need through 9mobile’s borrowing feature.You will also  Understanding the eligibility criteria, steps to borrow airtime, repayment options, benefits.

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Benefits of borrowing airtime from 9mobile

Borrowing airtime from 9mobile, also known as XtraTime, offers several benefits:

The most obvious benefit is the ability to make urgent calls or send SMS even when you have zero airtime balance. This can be crucial in emergencies or when you need to reach someone urgently.

1. Convenience: It’s a quick and easy process. You can borrow airtime directly from your phone by dialing a USSD code. No need to visit a store or find a recharge card vendor.

2. Flexibility: 9mobile offers different airtime loan amounts, allowing you to borrow only what you need. This can be helpful in managing your budget and avoiding overspending.

3. No Credit Check: Unlike traditional loans, there’s no credit check required to borrow airtime from 9mobile. As long as you meet the basic eligibility criteria (active line, recharge history, etc.), you can access the service.

4. Easy Repayment: The borrowed airtime, along with a small service fee, is automatically deducted from your next recharge. This makes repayment convenient and hassle-free.

5. Available for All Plans: The airtime borrowing service is available to all 9mobile prepaid customers, regardless of their tariff plan.

Eligibility Criteria for Borrowing Airtime from 9mobile

To be eligible for borrowing airtime from 9mobile through their XtraTime service, you need to meet the following criteria:

1. Prepaid Customer: The airtime borrowing service is exclusive to 9mobile prepaid customers. Postpaid users are not eligible.

2. Active Line: You need to have been an active 9mobile subscriber for a certain period, typically at least three months. This demonstrates a consistent usage pattern and loyalty to the network.

3. Recharge History: Your recharge history plays a crucial role in determining eligibility. Regular and consistent recharges are viewed favorably, indicating a higher likelihood of repayment. The minimum average recharge amount varies, but generally, a monthly average of ₦200 or more is preferred.

4. Positive Usage: A good track record of using 9mobile services, including calls, SMS, and data, can also increase your chances of qualifying for an airtime loan. This indicates responsible usage and the likelihood of repayment.

5. Good Credit Score: While not explicitly stated, maintaining a good credit score with 9mobile is likely a factor in determining your eligibility. This means timely repayments of previous loans and bills.

How to check eligibility to borrow airtime from 9mobile

You can check your eligibility to borrow airtime from 9mobile in a few ways:

  1. USSD Code:
  • Dial *303# from your 9mobile line.
  • Follow the on-screen prompts. You’ll be informed whether you’re eligible and what your borrowing limit is, if applicable.
  1. SMS:
  • Send “STATUS” to 303.
  • You’ll receive an SMS reply indicating your eligibility status and your available borrowing limit.
  1. 9mobile App:
  • If you have the 9mobile app installed, log in and look for the XtraTime section.
  • Your eligibility and borrowing limit should be displayed there.


What Factors Affecting Eligibility to borrow airtime from 9mobile

Remember that eligibility for airtime borrowing from 9mobile depends on various factors, including:

  • Recharge History: Regular and consistent recharges are crucial. The higher your average monthly recharge, the better your chances of qualifying.
  • Active Usage: Active use of your 9mobile line for calls, SMS, and data demonstrates a good track record and increases your eligibility.
  • Account Standing: Maintaining a positive account balance and avoiding outstanding debts can also improve your chances.

If you’re not eligible for airtime borrowing, try increasing your recharge frequency and usage to improve your eligibility in the future.

How to Borrow Airtime from 9mobile

9mobile offers a convenient service called XtraTime that allows eligible subscribers to borrow airtime directly from their phones. Here’s how you can borrow airtime from 9mobile:

1. Using USSD Code:

1. Dial *303#: This is the primary code to access 9mobile’s XtraTime service.
Follow the prompts:

2. You’ll be presented with options to choose the amount of airtime you want to borrow.

3. Select the desired amount.
4. Confirm the transaction: You’ll receive a confirmation message indicating the borrowed amount and the service fee.


2. Using SMS:

Text “STATUS” to 303: This will help you check your eligibility and the available loan amounts.
If eligible, text the desired amount (e.g., “50” for ₦50) to 303: This will initiate the loan process.

3. Through the 9mobile App:

i.Download and install the 9mobile app: If you haven’t already, download the 9mobile app from your device’s app store.
ii. Log in: Use your 9mobile number to log into the app.
iii.Navigate to XtraTime: Find the XtraTime section within the app.
iv.Select the desired amount: Choose the airtime loan amount you need and confirm the transaction.

How to repay borrowed airtime from 9mobile

Automatic Deduction: To make repayment even more convenient, 9mobile offers an auto-deduction feature that deducts the borrowed amount from your subsequent recharges. This ensures that you repay your borrowed airtime effortlessly and without any additional steps required on your part.

Frequently Asked Questions (FAQ)

1. Can I borrow airtime from 9mobile if I am a prepaid customer?

Yes, you can borrow airtime from 9mobile if you are a prepaid customer. In fact, their airtime borrowing service, XtraTime, is specifically designed for prepaid users.

2. What happens if I am unable to repay the borrowed airtime on time?

Your inability to repay the loan on time could negatively impact your creditworthiness with 9mobile. This might affect your ability to borrow airtime or access other services in the future.

3. Is there a limit to the amount of airtime I can borrow from 9mobile?

Yes, there is a limit to the amount of airtime you can borrow from 9mobile through their XtraTime service. The exact limit varies depending on several factors such as Frequent recharges and consistent usage will generally lead to a higher borrowing limit.

4. Can I borrow airtime multiple times before repaying the initial borrowed amount?

Yes, you can borrow airtime multiple times from 9mobile before repaying the initial borrowed amount provided you have not exceed your limits
The XtraTime service operates on a “one loan at a time” basis.


Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies


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