Stuck without airtime when you need to make an urgent call? MTN Nigeria has a simple solution for you: airtime borrowing. This guide will walk you through everything you need to know—how it works, who’s eligible, and the fastest ways to borrow. Let’s dive in!

What is MTN Airtime Borrowing?

Airtime borrowing is a service that lets MTN prepaid users get airtime on credit when they run out. Instead of rushing to buy airtime, you can borrow a certain amount and pay it back later when you recharge.

Why is Airtime Borrowing Useful?

How MTN Airtime Borrowing Works

When you borrow airtime from MTN, the amount is credited to your line immediately. The next time you recharge, MTN automatically deducts the borrowed amount plus a small service charge.

Eligibility Criteria: Can You Borrow?

Not everyone can borrow airtime on MTN. To qualify, you must:

• Be an MTN prepaid subscriber.
• Have an active and registered MTN SIM.
• Regularly recharge and use your line.
• Have no outstanding airtime loan from MTN.

If you meet these criteria, you’re good to go!

How to Borrow Airtime on MTN

There are two main ways to borrow airtime from MTN: using a USSD code or the MTN mobile app. Let’s break them down.

1. Borrowing Airtime Using USSD Code

This is the quickest and easiest method. Just follow these simple steps:

1. Dial *606# on your MTN line.
2. Select “XtraTime” from the menu.
3. Choose the amount you want to borrow.
4. Confirm your request.
5. You’ll receive the airtime instantly.

Troubleshooting USSD Issues

If the USSD method isn’t working, try:

• Checking if your SIM is registered and active.
• Ensuring you have no unpaid loans from previous airtime borrowing.
• Restarting your phone and dialing the code again.

2. Borrowing Airtime Using the MTN Mobile App

Prefer using an app? Follow these steps:

1. Download the MTN mobile app from your app store.
2. Log in with your MTN number.
3. Go to “Airtime”, then select “XtraTime”.
4. Pick the amount you want to borrow.
5. Confirm your request.
6. You’ll get the airtime immediately.

How Much Can You Borrow?

Your borrowing limit depends on your recharge and usage history. Here’s an estimate:

MTN determines your exact limit based on your past recharges.

Airtime Repayment: What You Need to Know

Once you borrow, MTN will deduct the amount from your next recharge, along with a service fee.

Example:

• You borrow ₦100.
• A service fee of 15% applies (₦15).
• When you recharge ₦100, MTN deducts ₦115, leaving you with ₦0 balance.

Frequently Asked Questions (FAQs)

1. Can I borrow airtime if I still owe MTN?

No, you need to clear your previous loan before borrowing again.

2. Can I use borrowed airtime for data bundles?

Yes, you can use it for calls, SMS, and data purchases.

3. What happens if I don’t recharge soon?

MTN will keep deducting from any future recharges until the full amount is repaid.

4. Can postpaid users borrow airtime?

No, this service is only available for prepaid customers.

5. Can I borrow airtime multiple times?

Yes, but only if you haven’t hit your borrowing limit.

Borrowing airtime on MTN is simple, fast, and convenient—perfect for those moments when you urgently need to stay connected. Just remember to pay back on time to keep enjoying the service. Try it out next time you run out of airtime!