In our modern fast-moving era, it is significant which is more inclined to connect people. Regardless of whether it is for work, external events, or mainly spending time with dear ones, mobile credit is a must. Currently, in a situation where all your credit is used up and you can’t recharge immediately? That’s where the Credit Loan Service of Etisalat will help you. This comprehensive guide is written to help you understand Etisalat’s borrowing process, including eligibility requirements, repayment details, and more, all in one place.
What is the Etisalat Loan Service of Etisalat?
Etisalat is associated with Credit Loan Service and is also known as Credit Advance. It is offered to its prepaid customers as a convenient facility. The function of the service is to borrow the airtime credit instantly when their balance runs low and they are unable to recharge immediately. Even if you are in a traffic jam, at a place where no recharge outlets are located, or even if you are traveling, with this service, you will never go fully offline.
Borrowed amounts can be used for:
- Local and international calls.
- SMS and MMS.
- Mobile data usage.
- Value-added services (VAS).
It is a product of the emergency and short-term concept of Etisalat, serving as a backup tool when you want to keep in touch.
Who can Sign Up for the Etisalat Loan Service?
Not every user of Etisalat can automatically use the loan service. For the sake of responsible usage, Etisalat put forth some eligibility criteria for the customers who use the price credit:
- You must be prepaid subscribers (postpaid customers are not eligible).
- The Etisalat number you have must be at least 3 months active (90 days).
- You must show a consistent usage pattern that may include regular recharges and activity.
- You should not have any pending unpaid credit loans.
Once you meet all the said criteria, you can easily proceed with the credit loan request.
How to Check Your Eligibility for the Etisalat Loan?
Before going to borrow credit, it is worth checking whether you are eligible. You can check it like this:
By Using USSD Code
- Dial *108# and wait for the service menu to show up.
- Follow the prompts to get your eligibility status checked.
Through SMS
- Send the keyword “Loan” to 1080.
- In a minute, you will get a message stating whether you are eligible or not. If you are, suggest the amount you can borrow.
Using the My Etisalat UAE App
- Download and install the My Etisalat UAE app from the App Store or Google Play.
- Log in using your mobile number.
- Navigate to the Services or Loans & Advances section to view your eligibility.
How to Borrow Loan from Etisalat?
There are several ways to request a credit loan from Etisalat. Below are the popular methods:
Method 1: USSD Code
- Open your phone dialer and key in *108#.
- Press the Call button and wait for the service menu to show.
- Pick the amount you want to borrow (normally AED 5 or AED 10).
- Confirm your order.
- Then, you will receive an SMS stating that the credit has been added successfully.
Method 2: Via the My Etisalat UAE App
- Open the My Etisalat app and log in.
- Go to the Services section and tap on “Credit Advance” or “Loan Credit”.
- Decide on the loan amount you would like to borrow.
- Confirm the transaction.
- The loan amount will be credited to your account in just a few seconds to your account.
Method 3: By SMS
- Compose a new message with the word “Loan”.
- Send it to 1080.
- If you are eligible, you will receive a confirmation message, and credit will be added to your balance.
Loan Amounts, Fees, and Payment Details
Understanding the costs and repayment processes before taking a loan can prevent unexpected charges.
Available Loan Amounts:
- AED 5
- AED 10
- AED 30 (for long-term or high-usage customers)
Note: The available amount depends on your usage history and eligibility.
Service Charges:
- A small service fee (usually around AED 1) is deducted along with the borrowed amount.
- By way of an example, if you borrow AED 10, you could be charged AED 11 after you pay back.
Repayment Method:
- The loan amount and service charge will be deducted automatically from the next recharge.
- Partial recharges will deduct as much as possible and continue with the next top-up until the full loan is repaid.
Proper Guidelines for Using Etisalat Credit Loan
- Use this service during emergencies or when recharging is not possible immediately.
- Do not borrow many times without repaying, as that may affect your eligibility.
- Keep recharging in a prescribed pattern, as your credit limit might increase in the future.
Aren’t you should check your balance after taking a loan so that you can know how much credit you have borrowed and how much is still available.
Steps to take If Your Loan Application is Denied
If your loan application failed, several reasons could be accountable:
- You have an unpaid loan.
- Your number is not 90 days old or has insufficient activity.
- You’re attempting to borrow an amount higher than what’s allowed.
- There may be a temporary system issue.
In such cases:
- Try a smaller amount, if available.
- Recharge manually and retry later.
- Contact Etisalat customer support by calling 101 or going to a service center.
Conclusion
Etisalat’s credit loan service is a lifeline for prepaid users in times when recharging cannot be done immediately. With methods like getting a USSD code, sending an SMS, or using the mobile app, the service of borrowing credit is just a few taps away. Whether left with zero balance or urgently needing to send a message, this service will make sure you are connected when it is most important to you.
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