Steps to Borrow Airtime From MTN in 2024 [Full Guide]

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Steps to Borrow Airtime From in 2024 [Full Guide]

In today's fast-paced world, staying connected with your loved ones and colleagues is crucial.

Mobile phones have made it incredibly convenient to communicate with others, regardless of where they are. Whether it's for work or personal matters, having airtime is essential for keeping in touch.

Running out of airtime can be a hassle, especially during important calls. Luckily, , a leading telecom company in Africa, provides a simple solution to borrow airtime and settle the debt later.

Airtime is the duration you can spend making calls, sending messages, and using data on your phone. It's a prepaid service that allows you to use your phone as long as you have sufficient credit.

When you make calls, send messages, or use data, the corresponding amount is deducted from your airtime balance.

So, why borrow airtime? There are instances when you urgently need to make a call or send a message but have run out of credit. Borrowing airtime comes in handy during such times.

By borrowing airtime, you can remain connected even when your phone has no credit.

In this article, we'll guide you on how to borrow airtime from MTN in 2024, providing you with the most recent updates and details. Your presence here on means you've sought answers to your queries.

Eligibility criteria for borrowing airtime on MTN
Steps to borrow airtime from MTN in 2024
Borrowing airtime from MTN using a specific code
Disabling the auto-borrow feature for airtime on MTN
Cancelling the auto-borrow option for airtime on MTN
Borrowing airtime from MTN via SMS
code for borrowing airtime on MTN
Borrowing airtime from MTN without the need to repay
Requirements to be eligible for borrowing airtime on MTN
Borrowing airtime from MTN without repayment obligations

You must meet certain requirements before you may borrow credit on MTN. These are the prerequisites for eligibility:

Eligibility requirements to borrow Credit on MTN

You must fulfill the following conditions in order to borrow airtime from MTN:

  1. You must be a pre-paid customer.
  2. You must have been an active MTN customer for at least 3 months.
  3. You must have paid up any outstanding airtime you previously borrowed.
  4. You must have a minimum recharge of N200 every month.
  5. You must have a good credit score.

You may simply borrow credit on MTN anytime you need it if you fulfill all of these standards.

We may now go on to the MTN credit borrowing process.

How do I borrow airtime from MTN?

Purchasing airtime on MTN is an easy and quick procedure that may be completed in a few ways, such as:

  1. Via calling Customer Care
  2. Via MTN mobile App/MyMTN app
  3. Via USSD Code

Let's take a closer look at these ways.

How to Borrow Airtime on MTN through Customer Care 

If you'd rather have a chat with one of our friendly customer service representatives, you can easily borrow airtime by giving MTN's customer care line a ring. Our dedicated team will walk you through the process step-by-step and happily address any queries you may have.

To get connected, just dial 180 from your MTN line and follow the prompts. Sit tight until one of our customer care representatives picks up your call and takes care of your airtime borrowing request. Our MTN customer care line is available round the clock, so we're always here to lend a helping hand.

How to Borrow Airtime on MTN using MTN Mobile App

You can borrow airtime on the MTN mobile app in addition to borrowing credit through customer care. The app is accessible for download on Android and iOS devices, enabling you to efficiently handle your account, top up your line, and borrow airtime. To borrow airtime on the app, just choose the “XtraTime” option from the menu and proceed with the instructions. The app is designed to be user-friendly, making it simple to navigate, even for beginners.

How to borrow airtime on MTN using USSD

The procedures listed below can be used to borrow MTN airtime using USSD:

  1. Dial *303#
    • To borrow airtime on MTN, dial *303# on your mobile phone. This will take you to the MTN XtraTime menu.
  2. Select XtraTime
    • Once you're on the MTN XtraTime menu, select XtraTime to see the available airtime options.
  3. Select your preferred option
    • MTN offers different loan options depending on your usage and credit score. Select your preferred loan option from the list provided. The loan options available include:
      • XtraTime 25: This allows you to borrow N25 worth of airtime and pay back N28.5
      • XtraTime 50: This allows you to borrow N50 worth of airtime and pay back N57.5
      • XtraTime 100: This allows you to borrow N100 worth of airtime and pay back N115
      • XtraTime 200: This allows you to borrow N200 worth of airtime and pay back N230
      • XtraTime 500: This allows you to borrow N500 worth of airtime and pay back N575
  4. Confirm your loan request
    • After selecting your preferred loan option, you'll be prompted to confirm your loan request. Confirm by selecting the option to proceed.
  5. Receive your airtime
    • Once your loan request is approved, the airtime will be credited to your account, and you can use it immediately to make calls, send texts, or use data.

How do pay back my loan?

Your subsequent recharge will automatically be reduced by MTN by the loan amount plus a 15% service charge. For instance, you would pay back N115 (N100 loan + N15 service charge) if you borrowed N100. The loan payments will automatically be subtracted from your upcoming recharge.

It's also crucial to remember that there are limitations and conditions associated with MTN airtime borrowing.

The guidelines for borrowing airtime are outlined in these terms and conditions, together with the associated costs and the periods of payback. Prior to obtaining MTN airtime, it is crucial that you read and comprehend these terms and conditions.

Frequently Asked Questions

Code to Borrow Airtime from MTN

*303# is the code to use to borrow airtime from MTN Nigeria.

How can I migrate to MTN 1GB for $200?

Dialing *312*65*2# will activate the 200-naira data bundle. You have now successfully signed up for the data plan that costs $200 and delivers you 1GB. Fortunately, customers who routinely recharge their SIM cards may still use this service.

How to stop auto-borrowing Borrow Airtime on MTN

To continue, just dial *312*1*9*3#, reply with the bundle's number choice, and then reply with 1. As easy as that!

How do I return the Borrowed Credit on MTN?

MTN? will immediately deduct the borrowed credit from your next recharge, so you don't need to worry about it.

Can MTN borrowed credit be transferred?

Simply dial *777*Recipient's Number*Airtime Amount*PIN# on your phone, hit Send, or press OK to transfer borrowed airtime to another person on MTN.

Can I use my borrowed airtime to buy data on MTN?

If you would prefer not to borrow data directly, you may utilize the borrowed airtime to buy data bundles or make calls.

How do I get 500MB for MTN #25?

On your smartphone, enter *406# and choose from the package menu the Pulse Nightlife Plan that you want. For a 250MB/₦25 bundle, call *406*3*1#; for a 500MB/₦50 bundle, dial *406*3*2#.

How to borrow airtime from MTN without paying back

Hi there! Except in the event that you choose to terminate the line and never use it again, you are not able to borrow airtime from MTN without returning it!

What is the code for borrowing data on MTN?


Use the *303# menu to borrow data: Dial *303# and choose XtraByte. After that, the system will show you every data bundle available for borrowing. After that, you may choose your favorite data plan from the list.


Additionally, borrowing airtime from MTN can also be a great option for those who may be facing financial constraints or unexpected emergencies. It allows users to stay connected without having to worry about running out of credit at crucial moments. This service can be especially beneficial for individuals who rely heavily on their phones for work, communication, or emergencies.

It is important to note that borrowing airtime is a temporary solution and should not be seen as a long-term financial strategy. Users should aim to repay the borrowed airtime as soon as possible to avoid any additional charges or penalties. By using this service responsibly, users can continue to enjoy the convenience and benefits of staying connected, even in challenging situations.

Overall, borrowing airtime from MTN can be a valuable tool for staying connected and managing unexpected situations. By understanding the terms and conditions of this service and using it responsibly, users can make the most of this convenient option. If you have any questions or need further clarification, feel free to reach out to us for assistance.


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