Borrow me credit: How to borrow Glo Airtime and payback later

Last Updated on June 12, 2025 by admin

The Glo Borrow Me Credit service is a convenient feature offered by Glo, one of Nigeria’s leading telecommunications companies, allowing subscribers to maintain seamless communication even when their airtime is depleted.

This service is particularly beneficial during unexpected emergencies or situations where immediate purchase of airtime is inconvenient. To be eligible for this service, subscribers need to meet certain criteria set by Glo, typically requiring a history of consistent usage and recharging activity.

Once eligible, users can borrow specific amounts of airtime, which will be credited to their accounts almost instantly. The amount borrowed will depend on the user’s recharge history and overall usage on the Glo network. When using Borrow Me Credit, it is important to understand that Glo deducts a service charge from the borrowed amount, which is a small transaction fee.

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Eligibility Criteria For Borrowing Airtime

To borrow airtime on the Glo network, certain eligibility criteria must be met to ensure that the service can be utilized effectively. Primarily, subscribers need to be aware that this service is tailored for prepaid users only.

To qualify, a user must have been registered with Glo for a minimum duration, often outlined as three months. This period allows Glo to assess the subscriber’s usage patterns and account activity, providing a measure of the user’s reliability and credibility in terms of network engagement.

You must be on a Glo prepaid plan.
Your line must be properly registered with your NIN.
You must have been active on the Glo network for at least 3 months.
You should recharge at least 4 times monthly.
You must spend a minimum of ₦200 per month.
You must repay any previously borrowed airtime before borrowing again

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How to Check Eligibility

To check if you’re eligible to borrow airtime from Glo Nigeria using the Borrow Me Credit service, here’s what you need to know and do:

Dial *303# on your Glo line.
If you’re eligible, you’ll see options to borrow airtime.
If not, Glo may prompt you to recharge more frequently or wait until you meet the criteria

How to borrow airtime from Glo Nigeria

To borrow airtime from Glo Nigeria, you can use their Borrow Me Credit service—perfect for when you’re low on balance and need to stay connected. Here’s how to do it:

USSD Method

Dial *303# on your Glo line.
Select “Borrow Credit” from the menu.
Choose the amount you want to borrow.
Confirm the transaction.

Or use the shortcut: *303*Amount# Example: *303*100# to borrow ₦100

Borrow for Others:

Dial *303# to borrow airtime for another Glo user.
Follow the prompts and provide the recipient’s phone number and the amount you want to borrow for them.
Borrowed Airtime will be deducted from your next recharge.

Glo Café App

Download the Glo Café app from the Google Play Store or Apple App Store.
Sign in with your Glo number.
Tap “Borrow Me Credit” and select the amount.
Confirm to receive the airtime instantly

How to check your glo airtime account balance

To check your Glo airtime account balance, you’ve got a couple of easy options:

Dial *310# on your Glo line.
Your airtime balance will pop up on your screen instantly.
You’ll also receive an SMS confirmation.

This is the new harmonized code introduced by the Nigerian Communications Commission (NCC), and it works across all mobile networks.

2. Glo Café App

Download the Glo Café Nigeria app
Sign in with your Glo number.
Your airtime and data balances will be displayed on the home screen.

3. Call Customer Care

Dial 300 from your Glo line.
Follow the voice prompts to check your balance or speak with an agent.

How to pay back glo airtime loan?

When you recharge your Glo line, the borrowed amount is automatically deducted from your new airtime.
The deduction includes a service fee (usually 15% of the borrowed amount).

For example, if you borrow ₦100, Glo will deduct ₦115 from your next recharge.

Can I transfer borrowed Airtime to another Glo user?

No, you can’t transfer borrowed airtime on Glo to another user. Airtime borrowed through Glo’s Borrow Me Credit service is strictly for personal use and is non-transferable.

However, if you have regular airtime (that you recharged yourself), you can share it with other Glo users using the Glo EasyShare service.

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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.