 |
| How to Borrow Airtime from MTN: Step-by-Step Guide |
Running out of airtime when you need to make an urgent call or send a message can be stressful. Thankfully, MTN Nigeria offers a convenient service called MTN XtraTime, which lets you borrow airtime and pay back later. This detailed guide explains how to borrow airtime from MTN, eligibility criteria, service charges, and helpful tips — all optimized with long-tail and low-competition keywords to help you find what you need.
What is MTN XtraTime?
MTN XtraTime is a value-added service that allows eligible prepaid customers to borrow airtime when they run out of balance and pay it back on their next recharge. This service is especially useful for emergencies or when you can’t immediately buy airtime.
Who Can Use MTN XtraTime?
Not all MTN customers can borrow airtime. Here are the requirements:
- You must be an MTN prepaid customer.
- Your line must be registered and active for at least 3 months.
- You must recharge regularly.
- You must have a minimum of ₦0 to ₦75 on your main account.
- You should not have any outstanding XtraTime loan.
How to Borrow Airtime from MTN: USSD Code
Using USSD:
1 Dial:
*303#
1 A menu will appear with different loan amounts available to you based on your recharge history and usage.
3 Select your preferred amount by replying with the corresponding number.
4 Confirm your choice and you’ll receive a confirmation message. The airtime is credited instantly.
How to Borrow Airtime from MTN: SMS Method
Alternatively, you can borrow via SMS:
- Text the amount you wish to borrow (e.g.,
50) to 303. - You’ll receive a confirmation message, and the airtime will be credited to your account.
Service Charges
MTN deducts a 15% service fee from the amount you borrow. For example:
- If you borrow ₦100, you’ll get ₦85 airtime.
- The full ₦100 will be deducted from your next recharge.
How to Repay MTN Borrowed Airtime
Repayment is automatic — as soon as you recharge your line, MTN deducts the amount you borrowed plus the service fee.
Helpful Tips for MTN Airtime Loan
Borrow only what you can repay quickly to avoid service disruption.
Always repay your loan before borrowing again.
Keep your line active by making calls, sending SMS, or browsing.
Borrowing airtime from MTN is simple and convenient, especially in emergencies. Just dial *303# or send an SMS, and the airtime is credited to you instantly. Make sure you meet the eligibility requirements and repay on time to continue enjoying the service.
