If you’ve ever found yourself urgently needing to make a call, send a text, or buy data, and your balance reads ₦0, learning how to borrow airtime from Glo can be a lifesaver. Glo has a Borrow Me Credit service that lets you get airtime instantly and pay back later. In this blog, we’ll walk you through every step you need to know to borrow Glo airtime quickly and easily. From eligibility requirements to USSD codes, repayment terms, and smart tips, every question you might have will be answered right here. Let’s start and make sure you're never caught off guard again!
Eligibility Criteria to Borrow Airtime from Glo
In order to use Glow Borrow Me Credit service, you must fulfill a few requirements. Here’s the complete breakdown of Glo’s airtime borrowing rules:
1) You must have been using your Glo SIM for at least 90 days. Newly registered lines won’t qualify because Glo needs to track your usage history.
2) Glo checks if you recharge regularly (at least once every 2 weeks). Irregular users may be denied even if the line is old.
3) You must have active usage (calls, SMS, or data) in the last 30 days. This means you should have been making calls, sending texts, using data, or performing other regular activities over a three-month period. Dormant lines (no calls/data for weeks) won’t qualify.
4) If you’ve borrowed airtime before and haven’t paid it back yet, Glo may block further borrowing. Your previous airtime credit must be fully paid before you're allowed to borrow again. You can dial *310# to check your Glo loan balance.
2 Different Ways to Borrow Airtime on Glo
How to Borrow Glo Airtime Using a USSD Code?
The first method is to use Glo borrow credit code. Here are the steps to follow:
1) Dial *303# from your Glo line
2) Select "Borrow Credit" from the menu options
3) Choose your loan amount (₦100 - ₦1,500)
4) Confirm transaction and wait for SMS notification
How to Borrow Glo Airtime Using the Glo Cafe App?
If you prefer a modern and visual way to manage your Glo account, the Glo Café app makes borrowing airtime fast and stress-free. You can skip dialing codes and instead access everything with just a few taps. Here's how to do it:
1) Download the Glo Cafe app on your device. It is available for both Android and iOS users.
2) Launch the app and sign in using your Glo number. You may receive a verification OTP to complete the process.
3) On the homepage of the app, look for the option labeled “Show All”. On the next page, select "Borrow Me".
4) Now, you’ll see a list of amounts that you are eligible to borrow. Tap on your preferred amount based on your loan limit.
5) After selecting the amount, the app will display a confirmation screen showing how much you’ll receive and any applicable service charges. Tap “Confirm” or “Proceed” to complete the request.
That’s it! If you’re eligible, the airtime will be credited to your Glo account immediately, and you’ll also receive a confirmation SMS.
Important Things to Remember When Borrowing Airtime from Glo
1. A 15% Service Charge Applies
When you borrow airtime on Glo, you will be charged a 15% service fee upfront. For instance, if you request ₦100, you’ll receive only ₦85, while the full ₦100 will be deducted later.
2. Repayment Is Automatic
As soon as you recharge your Glo line, the borrowed amount will be automatically deducted before your balance is updated.
3. You Must Repay Previous Loans to Borrow Again
If you still owe airtime from a previous loan, you won’t be allowed to borrow more until it is fully repaid. Glo does not support multiple unpaid loans at the same time.
4. The Borrowed Airtime Works Like Regular Credit
Once received, your borrowed airtime can be used for calls, texts, and data just like normal airtime. However, it may not be valid for special bundles or promos.
5. Your Loan Limit Is Based on Usage History
Glo decides how much you can borrow based on how often you recharge and how active your line is. Users who recharge more frequently and spend more airtime are usually offered higher loan amounts.
6. Borrowed Airtime Has No Expiry
Unlike bonus airtime, the borrowed credit doesn’t expire after a fixed number of days. It stays in your balance until it’s used up.
7. Not Available for Postpaid or New SIMs
Only prepaid users with an active line that has been in use for at least 90 days can borrow airtime. If your SIM is too new or inactive, you won’t qualify.
Conclusion:
There it is! We have covered everything that you should know before borrowing credit from Glo in this blog. However, if it isn’t borrowing you are after, but rather want to buy airtime or data or even gift it to others, you can try tbay.store to not only sell gift cards but also top-up your credit on Glo and other networks in Nigeria.
FAQs
1. What is Glo Borrow Me Credit Service?
Glo Borrow Me Credit is a service that allows eligible prepaid Glo users to borrow airtime when their balance is low. The borrowed airtime can be used for calls, SMS, and data, and is deducted automatically on your next recharge along with a small service fee.
2. What is the code to borrow airtime from Glo?
The Glo borrow credit code is *303#. It used to be *321# but now it has been updated since 2024.
3. Can I use Borrow Me Credit to make international calls?
Yes, you can use your Borrow Me Credi to make international calls.
4. Why was I denied a Borrow Me Credit service?
There could be several reasons why your request to borrow airtime from Glo was denied:
You haven’t used your Glo SIM for at least 90 days.
Your SIM isn’t registered properly.
You have unpaid borrowed airtime from a previous loan.
You haven’t been recharging frequently enough to qualify.
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