Thursday, October 29, 2020
Home Call Tariffs How To Borrow Credit From MTN XtraTime (Code)

How To Borrow Credit From MTN XtraTime (Code)

See USSD code used to lend money or airtime credit on your MTN line all for free and pay later.

- Advertisement -

MTN XtraTime | This post contains how to borrow credit from MTN in Nigeria – Are you searching for the code used to lend money or airtime on your MTN line for free and pay later, then here is the place to be.

Nigeria’s top mobile telecommunication giant MTN have provided a USSD code that allows you to easily apply to borrow airtime credit from them free and pay back later. There is absolutely no reason to be stranded anymore.

With this airtime borrowing service, you can ask for airtime and then pay back later when you recharge your MTN SIM card (*Terms and conditions apply though). There are other ways to recharge on your MTNbacom SIM aside from this when stranded, however, this method does not require borrowing airtime from MTN, I’ve covered it in one of my previous posts, click here for details.

In this write-up, I will be showing you how to borrow credit from MTN and pay back later!

MTN XtraTime | How to Borrow Credit from MTN in Nigeria


MTN XtraTime allows you to borrow airtime from MTN and pay back later, but before you request to borrow credit from MTN, bear this in mind; MTN XtraTime is only available to active prepaid MTN customers. Also, put into consideration, other eligibility criteria below;

  • SIM must be prepaid
  • SIM must be registered
  • Customer’s main account balance must be between N0 and N12
  • MTN’s consideration of Customer’s monthly recharge frequency
  • MTN’s consideration of Customer’s average monthly spend
  • Customer must have paid up any previous XtraTime request and the charges associated thereto.
Also Read:  How To Grow Your Business Nationwide by Using 0330 Numbers? 
Also Read:  How To Borrow Airtime On Airtel In Nigeria

How to check XtraTime eligibility on MTN

- Advertisement -

Here’s is how to check if you’re eligible to borrow credit on MTN.

  • Dial *606# » select 1 to check eligibility

Borrowable amount

Amount that can be borrowed on MTN are N50, N100, N200, N500 & N1000

To borrow credit on MTN

  • Dial *606# » select Request Airtime » Select amount to borrow.

MTN service charge

You will pay 15% of borrowed amount as a service charge. E.g, if you borrow N100, you will receive N85 or if N50, you will receive N42.50.


That’s how to borrow credit from MTN. Go ahead and start borrowing airtime credit from MTN network provider today. Let me know if the code works for you via the comment box below. Click the link to see the cheapest MTN tariff plans and migration codes before you leave.

- Advertisement -

Also, see:

- Advertisement -
Tech Enthusiast | Gadget Lover | Architect | Content & SEO Expert @ SEOEXPERTS.COM.NG | Inter Milan Fan ⚽. Writing history one piece at a time. You can connect with me on social media using the buttons below. Cheers!



Please enter your comment!
Please enter your name here


Latest Posts

VPN Usage: Threat To Privacy and Cyber ​​Security

Virtual Private Networks (VPNs) are increasingly being used to get around the internet without using quotas. While VPNs guarantee security, cybersecurity experts warn that there...

This App Allows Huawei Smartphone Users To Install Google Apps!

As we know, currently the latest smartphone made by Huawei is no longer equipped with Google Play Services, therefore users cannot use services from...

#ENDSARS: Echoes of A Twitter Powered Uprising

Social media has demonstrated incredible potential for good. In just over a decade, it has quietly but surely emerged as the most engaging digital...

Samsung Rolls One UI 2.5 Update for Galaxy A71 Smartphone!

The Galaxy A71 is now one of the mid-range smartphones with good sales in 2020. Moreover, Samsung also promised to provide up to 3...

The Google Chat Application Will Be Free Starting in 2021!

At the end of 2018, Google announced that it would replace its Hangout application with two new applications, namely Google Meet and Google Chat....

Subscribe to our newsletter

To be updated with all the latest news, smartphones deals and special announcements.