How To Borrow Airtime From MTN

How To Borrow Airtime From MTN In Nigeria & South Africa

Do you know that there is a service on MTN that allows you to borrow airtime and data anytime you are low on funds? The service is called MTN XTRATIME (for airtime) and MTN XTRABYTE (for data). But in this guide, we will be focusing only on MTN XTRATIME, as the topic says “How To Borrow Airtime From MTN”.

This guide will cover how to borrow airtime from MTN across all the major African regions that use the service of MTN, such as: NIGERIA, GHANA, SOUTH AFRICA AND UGANDA.

So you if this is your first time coming across our website popup.com.ng or you’ve come across it before, we want to use this medium to appreciate you as you are highly welcome to our website the go-to source for right information on anything tech, telecom and internet connectivity, be rest assured that this guide will cover the following related searches below;

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Eligibility Criteria For Borrowing Airtime From MTN

MTN doesn’t publicly disclose all the exact criteria for XtraTime eligibility. However, based on information available on the MTN website and other sources, here’s what we know about MTN XtraTime eligibility:

  • Prepaid Customers Only: XtraTime is a service exclusive to MTN prepaid users. If you’re on a postpaid plan, you won’t be eligible.
  • Minimum Account Balance: Your account balance needs to be within a certain range, typically between N0 (Zero Naira) and N75 (Seventy-Five Naira) depending on the loan amount you request.
  • Recharge History: MTN considers your average monthly recharge amount over a period (often 3 months). Consistent recharges improve your chances of qualifying.
  • Previous XtraTime Usage: You must have settled any previous XtraTime loan and its associated service fee before being eligible for another loan.
  • Age Requirement: You need to be 18 years or older to use XtraTime.

Here’s what we don’t know for sure:

  • The exact minimum recharge amount or average monthly spend required.
  • The specific internal scoring system MTN uses to assess eligibility.

Tips to Improve Your Chances:

  • Maintain a consistent recharge history on your MTN prepaid line.
  • Repay any previous XtraTime loans promptly.
  • Start with a smaller loan amount if it’s your first time using XtraTime.

How to Check If You Are Eligible To Borrow Airtime From MTN

Even though the exact criteria are not public, MTN offers ways to check your eligibility:

  • Dial *303# and navigate the menus to “Check Eligibility Status.” (For Nigerians)
  • Dial *506# (For Ghanaians) and follow the menu to view advance more advance option, then check your eligibility status
  • Dial *136# (For South African), follow the instructions to check your eligibility status
  • Dial *146# (For Ugandans) follow the prompts to check your eligibility status
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How To Borrow Airtime From MTN

There are four ways to borrow airtime from mtn, which are;

  • myMTN App
  • SMS
  • USSD
  • Code IVR

We’ll cover each one step-by-step, for all major African regions that make use of MTN.

How To Borrow Airtime From MTN In Nigeria

How To Borrow Airtime From MTN In Nigeria via myMTN NG App:

  • Download and install the MyMTN App if you haven’t already.
  • Log in to your MTN account.
  • Locate the “More” or “Share & Borrow” section (might vary slightly).
  • Select “Borrow Airtime/Data.”
  • Choose “Airtime” from the XtraTalk options.
  • Pick your desired loan amount.
  • Review the details and confirm the transaction.
  • You’ll receive a notification upon successful borrowing.

How To Borrow Airtime From MTN In Nigeria via SMS: (This method might be less common)

  • While not as widely used, some regions might offer borrowing through SMS.
  • Send an SMS with the keyword “Borrow” followed by the amount you want to borrow (e.g., “Borrow 100”) to 303.
  • Wait for a response from MTN confirming your request.
  • Reply with “YES” to confirm and receive the borrowed airtime.

How To Borrow Airtime From MTN In Nigeria via USSD Code

  • This is the most common method.
  • Dial *303# on your phone.
  • Select “XtraTime” from the menu options.
  • Choose your preferred loan amount.
  • Confirm the transaction after reviewing the details (loan amount and service fee).
  • You’ll receive a confirmation message if successful.

How To Borrow Airtime From MTN In Nigeria via IVR (Calling 303)

  • Dial 303 and follow the voice prompts.
  • Select your preferred language (English, Igbo, Hausa, or Yoruba).
  • Choose “XtraTime” from the options.
  • The system will announce available loan amounts.
  • Select your desired loan amount.
  • Confirm the transaction after hearing the details (loan amount and service fee).
  • You’ll receive a confirmation message if successful.

Popup NG Wants You To Remember That;

  • A service fee applies to all borrowed airtime.
  • Repayment happens automatically on your next recharge.
  • Borrow responsibly – only borrow what you can comfortably repay.

How To Borrow Airtime From MTN In South Africa

How To Borrow Airtime From MTN In South Africa via MyMTN App

  • Download and install the myMTN app from the Play Store or App Store.
  • Register and log in to the app with your MTN phone number and password.
  • Tap on “Airtime Advance” or “Borrow Airtime” on the app’s dashboard.
  • Select the amount you want to borrow (available denominations: R5, R10, R20, R50, R100).
  • Confirm your request and wait for the airtime to be credited to your account.

How To Borrow Airtime From MTN In South Africa via SMS (Less Common)

  • SMS borrowing might be less prevalent in South Africa, but it’s worth checking.
  • Send an SMS with the keyword “Borrow” followed by the amount you want to borrow (e.g., “Borrow R20”) to 136.
  • Wait for a response from MTN confirming your request.
  • Reply with “YES” to confirm and receive the borrowed airtime.
  • You’ll receive confirmation via SMS if successful.
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How To Borrow Airtime From MTN In South Africa via USSD Code

  • This is the most popular method in South Africa.
  • Dial *136*2# on your phone.
  • Select “XtraTime” from the menu options.
  • Choose your preferred loan amount.
  • Confirm the transaction after reviewing the details (loan amount and service fee).
  • You’ll receive a confirmation message if successful.

How To Borrow Airtime From MTN In South Africa via IVR

  • Dial 136 and follow the voice prompts.
  • Select your preferred language (English or Afrikaans).
  • Choose “XtraTime” from the options.
  • The system will announce available loan amounts.
  • Select your desired loan amount.
  • Confirm the transaction after hearing the details (loan amount and service fee).
  • You’ll receive a confirmation message if successful.

Important Reminders:

  • A service fee applies to all borrowed airtime.
  • Repayment happens automatically on your next recharge.
  • Borrow responsibly – only borrow what you can comfortably repay on the next top-up.

How To Borrow Airtime From MTN In Ghana

How To Borrow Airtime From MTN In Ghana via MyMTN App Ghana

  • Download and install the MyMTN Ghana app if you haven’t already.
  • Log in to your MTN account.
  • Locate the “Airtime” or “More” section (might vary slightly).
  • Look for options like “Borrow Airtime” or “XtraTime.”
  • Select your desired loan amount.
  • Review the details and confirm the transaction.
  • You’ll receive a notification upon successful borrowing.

How To Borrow Airtime From MTN In Ghana via SMS (To 506)

  • This is a convenient option in Ghana.
  • Send an SMS with a specific keyword (e.g., ” borrow GHC5″ ) to the designated number 506.
  • MTN will reply with a confirmation SMS if successful.

How To Borrow Airtime From MTN In Ghana Borrowing via USSD Code (506#)

  • This is another popular method.
  • Dial *506# on your phone.
  • Select “XtraTime” from the menu options.
  • Choose your preferred loan amount.
  • Confirm the transaction after reviewing the details (loan amount and service fee).
  • You’ll receive a confirmation message if successful.

How To Borrow Airtime From MTN In Ghana via IVR (Calling 506)

  • Dial 506 and follow the voice prompts.
  • Select your preferred language (English or Twi).
  • Choose “XtraTime” from the options.
  • The system will announce available loan amounts.
  • Select your desired loan amount.
  • Confirm the transaction after hearing the details (loan amount and service fee).
  • You’ll receive a confirmation message if successful.

Remember:

  • A service fee applies to all borrowed airtime.
  • Repayment happens automatically on your next top-up.
  • Borrow responsibly – only borrow what you can comfortably repay on the next recharge.

With these methods, staying connected in Ghana with MTN’s XtraTime is a breeze!

How To Borrow Airtime From MTN In Uganda

How To Borrow Airtime From MTN In Uganda Using myMTN App

  1. Download and install the myMTN app from the Play Store or App Store.
  2. Register and log in to the app with your MTN phone number and password.
  3. Tap on “Airtime Loan” or “Borrow Airtime” on the app’s dashboard.
  4. Select the amount you want to borrow (available denominations: UGX 500, UGX 1,000, UGX 2,000, UGX 5,000, UGX 10,000).
  5. Confirm your request and wait for the airtime to be credited to your account.
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How To Borrow Airtime From MTN In Uganda via SMS

  1. Send an SMS with the keyword “LOAN” followed by the amount you want to borrow (e.g., “LOAN 1000“) to 146.
  2. Wait for a response from MTN confirming your request.
  3. Reply with “YES” to confirm and receive the borrowed airtime.

How To Borrow Airtime From MTN In Uganda In USSD

  1. Dial *146# on your phone.
  2. Select option 1 (“Airtime Loan“) from the menu.
  3. Choose the amount you want to borrow (available denominations: UGX 500, UGX 1,000, UGX 2,000, UGX 5,000, UGX 10,000).
  4. Confirm your request and wait for the airtime to be credited to your account.

Frequently Asked Questions On How To Borrow Airtime From MTN

What are the charges for borrowing airtime from MTN?

The service fee for borrowed airtime on MTN is a flat 15% of the loan amount. This fee is deducted from the borrowed airtime before it’s credited to your account.

For example, if you borrow N100, you’ll only receive N85 in usable airtime as N15 (15% of N100) is deducted as the service fee.

How can I check if I’m eligible to borrow airtime with MTN?

You can check your eligibility through the MyMTN app (if available), dialing a USSD code (varies by country – e.g., *303# in Nigeria), or sending an SMS with a specific keyword (varies by country) to a designated number (e.g., 303 in Nigeria).

What are the different ways I can borrow airtime with MTN?

The most common methods are via the MyMTN app (if available), USSD code, SMS (less common in some countries), and Interactive Voice Response (IVR) by calling a designated number (varies by country).

How do I repay the borrowed airtime to MTN?

Repayment happens automatically on your next MTN prepaid recharge. The borrowed amount and service fee will be deducted from your top-up.

Popup NG Conclusion On How To Borrow Airtime From MTN

Thank you for reading this article on how to borrow airtime from MTN! We hope you found it helpful. To recap, borrowing airtime from MTN is a simple process that can be done through the myMTN app, SMS, USSD, or Code IVR. Just remember to always borrow responsibly and within your means.

Remember to always borrow responsibly and repay your borrowed airtime on your next recharge to avoid additional charges.

Thank you for choosing MTN! If you found this guide helpful, please share it with your friends and family who use MTN. If you encounter any difficulties or need assistance, feel free to ask. Don’t forget to subscribe to our newsletter for more tech, telecom, and internet connectivity related news and updates!

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