How to borrow Airtime from 9mobile {Etisalat} and Re-payback

Running out of airtime can happen to the best of us. Whether you need to make an urgent call, send an important message, or simply stay connected, having access to airtime when you need it is crucial. With 9mobile’s Airtime Borrowing service, you can say goodbye to those moments of panic and stay connected whenever, wherever.

.As mobile communication plays a crucial role in everyday life, having the option to borrow airtime can be a lifesaver in emergency situations or when running low on credit. 9mobile, formerly known as Etisalat Nigeria, is one of the leading mobile network providers in Nigeria, and they offer a range of services, including airtime borrowing.

To address this issue, 9mobile offers a convenient airtime Borrowing service that allows users to borrow call card when needed and repay it later.

This article aims to provide a comprehensive guide on how users can conveniently borrow airtime in times of need through 9mobile’s borrowing feature.You will also Understanding the eligibility criteria, steps to borrow airtime, repayment options, benefits.

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Table of Contents

Benefits of borrowing airtime from 9mobile

Borrowing airtime from 9mobile, also known as XtraTime, offers several benefits:

The most obvious benefit is the ability to make urgent calls or send SMS even when you have zero airtime balance. This can be crucial in emergencies or when you need to reach someone urgently.

1. Convenience: It’s a quick and easy process. You can borrow airtime directly from your phone by dialing a USSD code. No need to visit a store or find a recharge card vendor.

2. Flexibility: 9mobile offers different airtime loan amounts, allowing you to borrow only what you need. This can be helpful in managing your budget and avoiding overspending.

3. No Credit Check: Unlike traditional loans, there’s no credit check required to borrow airtime from 9mobile. As long as you meet the basic eligibility criteria (active line, recharge history, etc.), you can access the service.

4. Easy Repayment: The borrowed airtime, along with a small service fee, is automatically deducted from your next recharge. This makes repayment convenient and hassle-free.

5. Available for All Plans: The airtime borrowing service is available to all 9mobile prepaid customers, regardless of their tariff plan.

Eligibility Criteria for Borrowing Airtime from 9mobile

To be eligible to borrow airtime from 9mobile, you must meet the following criteria:

Your 9mobile line must be active and have a usage history (calls, SMS, data) within the last 90 days.
You must have used your 9mobile line for at least 3 months.
Your average monthly recharge should be at least ₦200.
You should not have any outstanding airtime or data debt from previous borrowings.

If you meet all these requirements, you can borrow airtime ranging from ₦50 to ₦2,000, depending on your usage and recharge history. A 15% service charge will be added to the borrowed amount and deducted from your next recharge.

How to check eligibility to borrow airtime from 9mobile

You can check your eligibility to borrow airtime from 9mobile in a few ways:

USSD Code:

Dial *303# from your 9mobile line.
Follow the on-screen prompts. You’ll be informed whether you’re eligible and what your borrowing limit is, if applicable.

SMS:

Send “STATUS” to 303.
You’ll receive an SMS reply indicating your eligibility status and your available borrowing limit.

9mobile App:

If you have the 9mobile app installed, log in and look for the XtraTime section.
Your eligibility and borrowing limit should be displayed there.

What Factors Affecting Eligibility to borrow airtime from 9mobile

Several factors affect your eligibility to borrow airtime from 9mobile:

Your frequency and amount of recharges play a significant role. Regular recharges and higher spending on calls, SMS, and data increase your borrowing limit.
The longer you’ve been a 9mobile customer, the more likely you are to be eligible for higher borrowing amounts.
If you have any outstanding airtime or data debts, you won’t be eligible to borrow more until you clear your existing balance.
9mobile maintains an internal credit score for each user, which takes into account your payment history and usage patterns. A good credit score increases your chances of being eligible for higher borrowing limits.
9mobile may run promotional offers that temporarily change eligibility criteria or borrowing limits. Keep an eye on their announcements for such opportunities.
Your account must be active and in good standing to be eligible for airtime borrowing. If your line has been inactive for an extended period or has been flagged for any reason, you might not be able to access this service.

How to Borrow Airtime from 9mobile using ussd

This is the standard USSD code for accessing 9mobile’s credit services, including borrowing airtime:

Dial *303# on your 9mobile line.
Select the option for “Borrow Airtime” from the menu.
Choose the desired amount of airtime you want to borrow from the available options.
Confirm your selection and agree to the terms and conditions.

2. Using 303*Amount#

This is a shortcut method where you can directly dial the code with the desired amount you want to borrow:

Dial *303*Amount# (e.g., *393*100# to borrow ₦100).
Confirm your selection and agree to the terms and conditions.

How to Borrow Airtime from 9mobile using mobile App:

i.Download and install the 9mobile app: If you haven’t already, download the 9mobile app from your device’s app store.
ii. Use your 9mobile number to log into the app.
iii. Find the XtraTime section within the app.
iv. Choose the airtime loan amount you need and confirm the transaction.

How to repay borrowed airtime from 9mobile

Repaying borrowed airtime from 9mobile is automatic and hassle-free. Here’s how it works:

Automatic Deduction: When you recharge your line, 9mobile will automatically deduct the borrowed airtime amount, along with a service charge of 15%, from your recharge.
Partial Repayment: If your recharge amount is not enough to cover the entire borrowed amount and service charge, the available amount will be deducted, and the remaining balance will be deducted from your subsequent recharges.

Example:

Let’s say you borrowed ₦200 airtime. When you recharge your line with ₦500, the following will happen:

₦200 (borrowed airtime) + ₦30 (15% service charge) = ₦230
₦500 (recharge amount) – ₦230 (total debt) = ₦270 (remaining airtime balance)

Frequently Asked Questions (FAQ)

1. Can I borrow airtime from 9mobile if I am a prepaid customer?

Yes, you can borrow airtime from 9mobile if you are a prepaid customer. In fact, their airtime borrowing service, XtraTime, is specifically designed for prepaid users.

2. What happens if I am unable to repay the borrowed airtime on time?

Your inability to repay the loan on time could negatively impact your creditworthiness with 9mobile. This might affect your ability to borrow airtime or access other services in the future.

3. Is there a limit to the amount of airtime I can borrow from 9mobile?

Yes, there is a limit to the amount of airtime you can borrow from 9mobile through their XtraTime service. The exact limit varies depending on several factors such as Frequent recharges and consistent usage will generally lead to a higher borrowing limit.

4. Can I borrow airtime multiple times before repaying the initial borrowed amount?

Yes, you can borrow airtime multiple times from 9mobile before repaying the initial borrowed amount provided you have not exceed your limits
The XtraTime service operates on a “one loan at a time” basis.

5. How much does 9mobile charge for borrowing airtime?

9mobile charges a service fee of 15% for borrowing airtime.

6. How much can i borrow from 9mobile?

The amount you can borrow from 9mobile depends on your eligibility, but it can range from ₦50 to ₦2,000. Your eligibility is determined by factors like:

Frequent recharges and higher spending on calls, SMS, and data increase your borrowing limit.
The longer you’ve been a 9mobile customer, the more likely you are to be eligible for higher borrowing amounts.
If you have any outstanding airtime or data debts, you won’t be eligible to borrow more until you clear your existing balance.

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Meet Ogbeide Frank, also known as Perere, a blogger passionate about writing on finance and technology. He studied Business Administration at Ambrose Alli University in Ekpoma and Mobile Communication at Orange College in Malaysia. Frank has experience working as a banker and consultant for various agencies in Nigeria.