How to Check Airtel Airtime Loan Eligibility and Repayment in 2025
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| How to Check Airtel Airtime Loan Eligibility and Repayment in 2025 |
Need emergency airtime but not sure if you're eligible for an Airtel airtime loan? This 2025 guide will show you how to check your eligibility, borrow credit, and repay Airtel loan easily — whether you're using USSD, SMS, or the Airtel Thanks App.
What is Airtel Extra Credit (Airtime Loan)?
Airtel Extra Credit is a loan service that allows eligible Airtel prepaid users to borrow airtime and pay it back later. This service is useful when you're low on credit but need to make a call, buy data, or send an SMS urgently.
Who is Eligible for Airtel Airtime Loan in 2025?
To qualify for an Airtel loan:
- You must be a prepaid Airtel user
- Your line must be active for at least 3 months (90 days)
- You should recharge frequently (minimum ₦200 monthly)
- You must repay previous loans to stay eligible
- Line must be registered with NIN
Tip: The more often you recharge, the higher your loan limit grows over time.
How to Check Airtel Airtime Loan Eligibility
To check if you qualify:
- Dial
*500# - Select option
2 – Borrow Airtime - If you’re eligible, it will show loan amounts available to you
- If not, it will say “You are not eligible”
Alternatively, use:
- Airtel Thanks App: Go to Loans & Offers section to check eligibility and request a loan.
Download Airtel Thanks App from the Play Store.
How to Borrow Airtime on Airtel in 2025
Once eligible, borrow by:
USSD Method
- Dial
*500# - Choose
2 – Borrow Airtime - Pick your desired amount (₦50, ₦100, ₦200, ₦500, ₦1000)
- Confirm
SMS Method
- Send an SMS:
BA (amount)to500 - E.g., Send
BA 200to500to borrow ₦200
Note: A 15% service fee is deducted. So if you borrow ₦200, you get ₦170, and repay ₦200.
How to Repay Airtel Loan in 2025
Your loan is repaid automatically from your next recharge.
Example: If you recharge ₦500, Airtel deducts ₦200 (your loan) and leaves ₦300.
There’s no need to manually repay — just recharge and Airtel deducts it.
What Happens If You Don’t Repay?
- You won’t be able to borrow again until you clear the loan
- Airtel may limit your loan access
- You may get disqualified from the loan program temporarily
So, always repay promptly to maintain good standing.
Tips to Increase Airtel Loan Limit
- Recharge often (especially small amounts ₦100–₦500)
- Use all services on Airtel: data, calls, SMS
- Always repay loans quickly
- Stay active — don’t let your line go dormant
Summary Table
| Action | USSD Code or SMS |
|---|---|
| Check Eligibility | *500# > Option 2 |
| Borrow Airtime | *500# > Choose amount |
| SMS Borrow | Send BA 100 to 500 |
| Repayment Method | Auto-deduct on next recharge |
| Loan App Option | Airtel Thanks App |
Now you know how to check Airtel airtime loan eligibility, borrow, and repay with ease in 2025. With quick access to emergency credit, Airtel keeps you connected when it matters most.
Simply dial *500# or download the Airtel Thanks App to manage your airtime loans today!
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