How to Get Etisalat Loan Balance 2024
Running out of mobile balance at the wrong time can be frustrating, especially when you need to make an urgent call or send an important message. Fortunately, Etisalat UAE provides an easy way to get an instant loan balance to help you stay connected.
Whether you need a small loan to continue making calls, send SMS, or use mobile data, Etisalat’s Reserve Credit Service ensures that you can borrow credit and pay it back later when you recharge. This article will guide you through the eligibility criteria, loan balance codes, repayment process, service charges, and other essential details to help you get Etisalat Loan Balance in 2024.
Etisalat Loan Balance – Overview
Etisalat offers a loan balance service for prepaid customers, allowing them to borrow credit when their balance is low. The borrowed amount is deducted automatically from their next recharge.
The loan amount varies depending on your usage history and eligibility. Customers can borrow up to AED 50, depending on their prepaid account status.
Here’s a summary of the key features:
| Feature | Details |
|---|---|
| Service Name | Etisalat Reserve Credit |
| Eligibility | Prepaid customers with active usage history |
| Loan Amount | AED 5, AED 10, AED 30, or AED 50 |
| Repayment | Automatically deducted from next recharge |
| Service Charge | AED 1 per transaction (varies by loan amount) |
| Activation Code | Dial *108# or send “CREDIT” to 1010 |
Eligibility Criteria for Etisalat Loan Balance
Not every prepaid user is eligible for an Etisalat loan balance. To qualify, you must meet the following conditions:
- Must be an Etisalat prepaid customer
- Should have an active prepaid account for at least 3 months
- Should have used a minimum amount of AED 10 monthly
- The account must have less than AED 1 balance to request a loan
- Must have no outstanding unpaid credit
If you meet these criteria, you can proceed with requesting a loan from Etisalat.
How to Get Etisalat Loan Balance – Step-by-Step Guide
There are multiple ways to request a loan balance from Etisalat. Below are the different methods you can use:
1. Dialing the Etisalat Loan Balance Code
This is the fastest way to get a loan balance:
- Open your phone’s dialer.
- Dial
*108#and press call. - Follow the on-screen instructions to select the loan amount.
- You will receive a confirmation SMS once the loan is credited to your account.
2. Sending an SMS to 1010
If you prefer SMS, follow these steps:
- Open your messages app.
- Type “CREDIT” and send it to 1010.
- You will receive an SMS confirming your loan approval and the credited amount.
3. Using the My Etisalat UAE App
For those who prefer a smartphone app, you can use the My Etisalat UAE App:
- Download the app from Google Play Store or Apple App Store.
- Log in with your Etisalat number.
- Go to the “Credit & Balance” section.
- Click on “Request a Loan” and choose the amount.
- You will receive an SMS confirming the successful loan transaction.
Etisalat Loan Balance Amounts & Service Charges
The amount you can borrow depends on your eligibility and Etisalat’s internal policy. Below is a breakdown of loan options and the service charge applied:
| Loan Amount | Service Charge | Total Deduction on Next Recharge |
|---|---|---|
| AED 5 | AED 1 | AED 6 |
| AED 10 | AED 1.50 | AED 11.50 |
| AED 30 | AED 3 | AED 33 |
| AED 50 | AED 5 | AED 55 |
Note: The service charge is non-refundable and is deducted along with the borrowed amount upon the next recharge.
How to Repay the Etisalat Loan
When you take an Etisalat loan, repayment happens automatically. Here’s how the repayment process works:
- Recharge your Etisalat prepaid account using a recharge card, online banking, or My Etisalat UAE App.
- Etisalat will automatically deduct the loan amount plus the service charge.
- If your recharge amount is less than the total outstanding loan, the remaining balance will be deducted from future recharges.
Important Things to Know About Etisalat Loan Balance
Before using the loan balance service, consider the following:
✔️ Loan Amount is Limited – Your eligibility depends on your usage history and past recharges.
✔️ Multiple Loans May Not Be Available – If you already have a pending loan, you may not be able to request another one until the first one is fully repaid.
✔️ The Loan Is For Prepaid Customers Only – Postpaid users are not eligible for the Reserve Credit Service.
✔️ No Manual Repayment Needed – The loan balance is deducted automatically after recharging, so there is no need to manually repay.
✔️ Service Charge is Non-Refundable – Even if you cancel your prepaid account, the service charge is non-refundable.
Alternative Methods to Stay Connected Without a Loan
If you run out of credit and don’t want to use a loan, consider these options:
1. Etisalat Data Packages
Instead of taking a loan, you can subscribe to Etisalat’s affordable daily or weekly data plans using the My Etisalat UAE App or by dialing *170#.
2. Etisalat Free WiFi Zones
Etisalat provides free WiFi at malls, cafes, and public places. Connect to Etisalat WiFi UAE to stay online without using your mobile balance.
3. Request Credit from a Friend
Etisalat allows users to send credit to another number. You can ask a friend to transfer balance to your number using *100*recipient_number*amount#.
Conclusion
Etisalat’s loan balance service is an excellent solution when you need emergency credit to make calls, send messages, or use data. By dialing *108#, sending “CREDIT” to 1010, or using the My Etisalat UAE App, you can easily request AED 5, AED 10, AED 30, or AED 50 in loan balance.
Always remember to recharge your account on time to repay the loan and avoid service restrictions. For frequent prepaid users, exploring alternative data packages or WiFi options can also help in staying connected without relying on loans.
Now that you know how to get an Etisalat Loan Balance in 2024, you can use this service whenever needed and enjoy uninterrupted mobile connectivity in the UAE. 🚀
