How to Borrow Airtime from MTN in Nigeria

How to Borrow Airtime from MTN in Nigeria: A No-Nonsense Guide (2024)

Life’s unexpected moments can leave you in need of airtime at the most inconvenient times. MTN’s XtraTime service is here to ensure you never find yourself disconnected when it matters most. Let’s dive into a comprehensive guide on borrowing airtime seamlessly.

Who is Eligible for MTN XtraTime?

Before we jump into the borrowing process, let’s check if you meet the eligibility criteria:

  • Active MTN Customer: You’ve been an MTN customer for at least 3 months.
  • Regular Recharge Activity: Your line shows regular recharge activity.
  • Good Repayment History: You’ve maintained a good repayment history for any previous XtraTime loans.

MTN XtraTime Terms and Conditions

Before proceeding, it’s crucial to understand the terms and conditions associated with MTN XtraTime:

  • Borrowing Limits: You can borrow airtime ranging from ₦100 to ₦1,500 based on eligibility.
  • Service Fee: A service fee, typically around 15% of the borrowed amount, is applicable.
  • Repayment Period: Repay your loan within 7 days to avoid penalties.
  • Late Repayment Penalties: Late repayments attract additional charges, so timely repayment is essential.

Borrowing Airtime with USSD Codes: Quick and Easy

The most straightforward way to borrow airtime from MTN is through USSD codes. Let’s explore the step-by-step process using *303#.

Step-by-Step Guide: Dialing *303#

  1. Open your phone’s dialer and enter *303#.
  2. Press “Send” or “Call”.
  3. Select “XtraTime” from the menu options.
  4. Choose your preferred loan amount from the displayed list.
  5. Confirm the transaction, carefully reviewing the details and the associated service fee.
  6. Reply with “1” to confirm the transaction.

Alternative USSD Code: Dialing *606# (Nigeria Only)

For those familiar with *606#, this alternative USSD code provides another avenue for borrowing airtime through a similar process.

Borrowing Airtime Through the MTN App:

For a more modern approach to managing your airtime needs, the MTN App offers a user-friendly interface for borrowing airtime through XtraTime.

Downloading and Logging into the MTN App

  1. Head to the Google Play Store (Android) or App Store (iOS) and download the MTN App.
  2. Launch the app and register or log in using your MTN phone number.

Finding the XtraTime Section

  1. Once logged in, navigate to the “Recharge” section within the app.
  2. Look for the “Borrow” option or “XtraTime” tab.

Selecting Your Loan Amount and Confirming

  1. Choose your desired loan amount from the available options.
  2. Review the service fee associated with the loan.
  3. Tap “Confirm” to proceed with the transaction.
  4. Enter your MTN mobile money pin for additional security.
  5. Receive confirmation of your successful XtraTime loan.

Additional Features of the MTN App for Airtime Management

Beyond borrowing airtime, the MTN App offers additional features for comprehensive airtime management:

  • Track XtraTime balance and repayment due date.
  • Monitor overall airtime usage and recharge history.
  • Explore other airtime management options like gifting and sharing.
  • Access exclusive app-only deals and promotions for top-ups.

Important Reminders and Considerations

Before borrowing airtime, keep these essential points in mind:

Repayment Period and Penalties

  • Know your repayment period: Usually 7 days after borrowing.
  • Late repayments incur penalties: Ensure timely repayment to avoid additional charges.
  • Prioritize repaying XtraTime: Failure to repay may lead to restrictions on your line.

Service Fee Breakdown and Transparency

  • Understand the service fee: It is typically around 15% of the borrowed amount.
  • Calculate the total amount payable: Before confirming the transaction.
  • Borrow responsibly: Only what you can comfortably repay within the specified timeframe.

Responsible Borrowing: Tips to Avoid Falling into Debt

  • Avoid impulse borrowing: Only borrow when necessary for essential communication needs.
  • Track airtime usage: Monitor call and data consumption to budget effectively.
  • Explore alternative solutions: Consider gifting, sharing, or Wi-Fi for non-urgent communication.
  • Set repayment reminders: Avoid late fees by setting reminders for timely repayment.

Beyond Borrowing: Exploring Alternative Solutions

While XtraTime serves as a lifeline, it’s essential to explore other options for long-term airtime management:

Airtime Gifting and Sharing with MTN

  • Gift airtime to friends and family: Directly from your MTN account.
  • Share airtime with loved ones: Especially if they have a surplus.
  • Utilize MTN data gifting and sharing: For internet access.

Partnering with Recharge Platforms for Top-Ups

  • Explore trusted online recharge platforms: For convenient top-ups and potential deals.
  • Compare prices and features: Before choosing a platform.
  • Ensure secure payment methods: For a safe transaction.

Utilizing Public Wi-Fi Networks for Communication

  • Take advantage of free public Wi-Fi hotspots: For messaging and online activities.
  • Exercise caution with public Wi-Fi: Use secure VPNs for sensitive information.

Frequently Asked Questions (FAQs)

Can I borrow any amount of airtime?

No, your borrowing limit depends on eligibility and recharge history, typically ranging from ₦100 to ₦1,500.

What happens if I don’t repay my XtraTime loan?

Late repayments incur penalties, and your line might be restricted until the loan is settled. Persistent defaults could affect your XtraTime eligibility.

Can I borrow airtime if I’m a new MTN customer?

Unfortunately, no. XtraTime requires at least 3 months of active service and regular recharge activity to be eligible.

Are there any other ways to borrow data or bundles?

Yes, MTN offers XtraData, a similar service allowing you to borrow data bundles. Explore the MyMTN app or dial *606# for XtraData options.

How can I manage my XtraTime usage and avoid high charges?

Monitor your XtraTime balance and due date through the MyMTN app or USSD codes. Set budget alerts and consider smaller loan amounts for responsible borrowing.

Where can I find more information about MTN XtraTime?

Visit the official MTN website, contact MTN customer care through various channels, or explore the MyMTN app for comprehensive information and FAQs.

How can I borrow airtime from MTN in Nigeria?

To borrow airtime from MTN in Nigeria, you can use the MTN XtraTime service. Simply dial *606# and follow the on-screen prompts to select the amount of airtime you want to borrow. The borrowed amount will be deducted from your next recharge.

What is the minimum and maximum amount of airtime I can borrow?

The minimum amount of airtime you can borrow from MTN is N50, while the maximum amount depends on your usage history and eligibility. To check your eligibility and the maximum amount you can borrow, dial *606# and follow the instructions.

How do I check if I am eligible to borrow airtime?

To check your eligibility for borrowing airtime on MTN, dial *606# and navigate to the borrow airtime option. The system will provide information on your eligibility status based on your usage patterns and payment history.

What are the service charges for borrowing airtime?

MTN charges a service fee on borrowed airtime, which varies depending on the amount borrowed. The service fee is deducted along with the borrowed amount when you recharge. To view the applicable service charges, dial *606# and follow the prompts.

If I have an existing airtime loan, Can I borrow airtime?

No, you cannot borrow airtime if you have an existing airtime loan. You must repay the current loan before you can borrow again. To check if you have any outstanding airtime loans, dial *606# and follow the instructions.

How do I repay the borrowed airtime?

The borrowed airtime and the applicable service fee will be automatically deducted from your next recharge. Ensure that you recharge your MTN line to cover the borrowed amount and service charges to avoid any issues.

What happens if I fail to repay the borrowed airtime?

If you fail to repay the borrowed airtime, MTN will deduct the outstanding amount from any subsequent recharges you make. It is essential to repay the borrowed amount promptly to avoid any service interruptions.

Is the airtime borrowed valid for all services?

Yes, the borrowed airtime from MTN can be used for all services, including calls, SMS, and data. There are no restrictions on how you can use the borrowed airtime.

Can I borrow airtime on MTN if my balance is zero?

No, you cannot borrow airtime if your account balance is zero. Ensure that you have a positive balance or recharge your account before attempting to borrow airtime.

How can I check my borrowed airtime balance?

To check your borrowed airtime balance on MTN, dial *606# and navigate to the check balance option. The system will provide information on your remaining borrowed airtime and any outstanding service charges.


MTN XtraTime is your reliable companion for emergency situations. By understanding the terms, borrowing responsibly, and exploring alternative solutions, you can leverage this service effectively without falling into debt or incurring unnecessary charges. Stay connected and communicate freely with MTN’s XtraTime, but always prioritize responsible airtime management for a smooth and stress-free mobile experience.

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