How to Borrow Airtime from MTN in 2025 (Easy Steps + USSD Code)
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| How to Borrow Airtime from MTN in 2025 (Easy Steps + USSD Code) |
Are you low on airtime and need to make a quick call, send a text, or buy data? MTN offers a service called MTN XtraTime that lets you borrow airtime or credit and pay later when you recharge. Whether you're in an emergency or just need quick top-up, this guide will show you exactly how to borrow airtime from MTN in 2025.
What Is MTN XtraTime?
MTN XtraTime is a credit service that allows eligible MTN users to borrow airtime and pay back on their next recharge. A small service fee applies.
Requirements to Borrow Airtime from MTN
To qualify:
- You must be a Prepaid MTN user
- Your line must be registered and active for at least 30 days
- You must recharge regularly
- You must not have unpaid XtraTime debt
How to Borrow Airtime from MTN (USSD Code)
Here are the steps:
Method 1: Using USSD Code
- Dial:
*303# - Select
1for Borrow Airtime - Choose the amount you want (e.g. ₦100, ₦200, ₦500, ₦1000)
- Confirm your request
You will receive the borrowed airtime instantly minus the service fee.
Method 2: SMS (If Available)
- Send an SMS like:
2to303to view airtime options - Then reply with your preferred amount
MTN XtraTime Airtime Options (2025)
| Airtime You Request | You Receive | Service Fee |
|---|---|---|
| ₦100 | ₦85 | ₦15 |
| ₦200 | ₦170 | ₦30 |
| ₦500 | ₦425 | ₦75 |
| ₦1000 | ₦850 | ₦150 |
Note: Fees may change, but MTN always shows you the final amount before confirming.
How to Repay Borrowed Airtime
Your next recharge will automatically be used to repay the borrowed amount + service fee.
Example:
- You borrow ₦200 (you receive ₦170)
- You recharge ₦200 later — MTN will deduct ₦200
Why You Might Not Be Able to Borrow
If you can't borrow airtime:
- You still owe previous XtraTime loan
- You haven’t used the SIM long enough
- You're not on a prepaid plan
- Your line isn’t eligible (inactive or low usage)
Shortcut Code Summary
| Action | Code |
|---|---|
| Borrow Airtime | *303# |
| Check Eligibility | *303# then follow prompts |
| Check Debt | *303# and view balance/status |
| Repay Loan | Recharge airtim |
Get More with MyMTN App
You can also borrow airtime through the MyMTN App:
👉 Download on Google Play
👉 Download on Apple Store
To increase your loan limit, use your MTN line more frequently, recharge consistently, and repay loans on time.
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