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I am an awful painter but i’m going to paint a scenario for you. It is 12 midnight and you’re about to go home but are waiting on your ride. You go to pick up the phone and dial their number when all of a sudden you realize you’re out of credit. There is nowhere for you to buy credit and nobody you can ask to send you credit, what do you do??? What you do is borrow credit thanks to MTN, Airtel, and Glo. These networks have made borrowing credit easy for you and set it up in a way that you can pay back the next time you top up. I’m sure you’re eager to know how so I won’t waste any time in telling you. Airtel Requirements;

Your line must be up to 3 months old.
Minimum number of 5 monthly recharges.
You must be a prepaid customer whose line is not suspended.
You must have repaid all outstanding loan airtime collected previously.

Procedure

You can initiate the lending on Airtel by dialing *500# and follow the steps to choose either N50, N100, N200 or N500.

OR use the following codes below to choose any one of the airtime loans on airtel.

Dial *500*50# for N50
Dial *500*100# for N100
Dial *500*200# for N200
Dial *500*500# for N500

Note: These codes will only work if you’re eligible for the package. MTN Requirements; Prepaid customer having between N0 – N12 airtime. Procedure To access this service, dial *606# and use the displayed menu to check eligibility, also to request airtime, as well as see your XtraTime transaction history. Note : This service attracts 10% charge which means if you borrow N100 you will be given N90 while MTN deducts the 10% and when you recharge, N100 will be deducted from your account. Glo Requirements; There are no requirements for Glo! Procedure;

Dial *321# and create a 4 digit PIN which you’ll be using for your airtime borrowing transactions.
Now to borrow airtime from Glo, dial *321*PIN*Amount you wish to borrow#

Note: You will be charged 5% of every transaction you make unlike MTN which goes for 10%. Hopefully gone are the days of being stranded and out of credit now that we have these services. Make sure you spread the good news and save someone from future disasters!