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Codes to Borrow Airtime Credit on MTN, 9Mobile, Airtel and Glo

I don't need to start explaining the need to borrow airtime, but if you insist, airtime credit loan is really helpful in situations where you're stranded and need to make an important phone call or send SMS. Every network offers respective services that lends airtime. MTN calls theirs XtraTime, 9Mobile has Morecredit, Glo has Borrow Me Credit, and there is Extra Credit on Airtel.

Code to Borrow Airtime Credit on MTN, 9Mobile, Airtel and Glo

So in this post, i'll show you how to borrow MTN, 9Mobile, Airtel and Glo airtime, the service charge (%) for each network, how to check eligibility status and balance and how to repay. Let's go!

How to Borrow Airtime With MTN XtraTime

MTn xtratime borrow airtime credit


  • SIM must be prepaid
  • SIM must be registered
  • Customer's main account balance must be between N0 and N12
  • MTN's consideration of Customer's monthly recharge frequency
  • MTN's consideration of Customer's average monthly spend
  • Customer must have paid up any previous XtraTime request and the charges associated thereto.

MTN Service Charge (%)

MTN Xtratime attracts a service charge of 15% of the airtime borrowed. So if you borrow ₦100 airtime, you'll receive N85.


Eligibilty and Pay Back

Dial *606# and type 1 to check if you can borrow airtime. You can pay back on your next recharge.

How to Borrow

Dial *606# and type 2 for XtraTime, then select the amount you wish to borrow and you'll get it if you're eligible.

How to Borrow Airtime with 9Mobile Morecredit

9mobile morecredit borrow airtime

Check Eligibilty

You can find out if you’re eligible for Morecredit by dialing *665*3#, or texting STATUS to 665.

9Mobile Service Charge (%)

A subscriber will pay 15% of the borrowed amount as a service fee. I.e., when you borrow N50 you’ll receive N42.50.

Amounts you can Borrow

Available amounts to be borrowed on 9Mobile are N50, N100, N200, N500, N1000, N1150 and N2600.

How to Borrow

If you are eligible, dial *665*Amount# or text “amount” to 665. For example, *665*50# to borrow N50, or text 50 to 665.

How to get Airtime Loan with Glo Borrow Me Credit

Glo Borrow me Credit


  • Sim must be prepaid
  • You must have spent 4 months or more on Glo network
  • You must have been consistently rechaging your line
  • Repay starts after 72 hours
  • Dial *321# to check eligibilty.

Glo Service Charge (%)

15% service charge applies.

How to Borrow

-> Dial *321*PIN*50# for N50,
-> Dial *321*PIN*100# for N100,
-> Dial *321*PIN*200# for N200,
-> Dial *321*PIN*500# for N500
-> Dial *321*PIN*1000# for N1000.

How to Borrow Airtime With Airtel Extra Credit

airtel extra credit to borrow airtime


  • You must be a prepaid customer
  • Sim must be at least three months old
  • Actively recharging and using your line

Amounts you can Borrow

The amount that can be borrowed on Airtel Extra Credit is N25, N50, N100, N200, N500.

Airtel Service Charge (%)

A 15% service charge applies when borrowing airtime with Airtel extra time.

How to Borrow

Dial *500*amount#. For example *500*50# to borrow N50 or dial *500# and follow the prompts.

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