How to Borrow Credit on MTN

If you’re an MTN user and you find yourself in a situation where you urgently need airtime or data, but you don’t have enough credit in your account, you can use MTN’s “XtraTime” service to borrow credit or data. In this article, we’ll guide you on how to borrow credit from MTN.

Firstly, you need to check if you’re eligible for the service. To be eligible, you must have been an active MTN user for at least three months and have a minimum monthly recharge of N200. Additionally, you must have cleared any outstanding XtraTime loan before requesting a new one.

To check your eligibility, simply dial *606# and follow the prompts. If you’re eligible, you’ll receive a message informing you of your eligibility status and the amount you can borrow.

How to borrow credit on MTN?

To borrow credit, simply dial *606# and select “Request XtraTime”. You’ll be presented with a list of borrowing options ranging from N50 to N2,000. Choose the amount you want to borrow and follow the prompts to confirm your request.

Once your request is successful, the borrowed credit will be automatically credited to your account, and you can use it to make calls, send SMS, or buy data. However, be aware that MTN will charge you a service fee for using the XtraTime service, and the borrowed credit will be deducted from your next recharge.

What is the code to borrow data on MTN?


Borrow Data via *606# Menu: Dial *606# and select XtraByte. The system will then display all the data bundles that you can borrow. You can then select your preferred data plan from the list.

To check your XtraTime balance and repayment date, dial *606# and select “Check XtraTime Balance”. You can also repay the loan before the due date by dialing *606# and selecting “Pay XtraTime Balance”.

In summary, borrowing credit from MTN using the XtraTime service is quick and easy, but it should be used as a last resort as the service fee can be quite high. Ensure that you repay the loan before the due date to avoid being blacklisted from the service.

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