Etisalat is a leading 5G telecommunication company from UAE which is known worldwide for its good services. Sometimes when your balance is exhausted and you are in a place where it is not possible to recharge, Etisalat offers you a loan facility. With this facility, you can get a loan of AED 5 to AED 50 in case of a low balance using Etisalat SIM. You can use this balance for any purpose whether you want to make international, or domestic, calls or SMS, use the internet, or subscribe to Non-stop Silver packages. Here we will tell you the complete method of How to Get Etisalat Loan Balance and who is eligible for it.
Etisalat loan facility is available to prepaid customers when their balance is AED 1 or less. In such a case, you can take an instant loan of up to 50 AED for any emergency so that you can get in touch with your loved ones and fulfill your needs. Once your phone is recharged, you can instantly repay the Etisalat loan. Etisalat’s facility aims to provide customers with the required balance for immediate calls, SMS, or data usage.
Requirements to get Etisalat loan balance
To avail of this facility, you have to fulfill certain conditions after which you can avail Etisalat loan.
- You must have a prepaid Etisalat SIM card.
- Your number must be at least 2 months old.
- You have spent AED 10 in a month for calls, SMS, internet, or any other service.
- To get a loan, your balance must be AED 1 or less, after which you can apply for a loan balance.
- You must have already paid back the loan provided (if any).
- You agree to pay the service charges while getting the Loan amount of AED 50.
After you complete all these terms and requirements, you can easily access this service by dialing *108#. If you are not able to get this service from Etisalat then you can follow the given method.
How to Get Etisalat Loan Balance of AED 50?
The process of getting an Etisalat loan balance is very simple and you just have to take a few steps. You can get a loan in different ways:
Get Loan by USSD Code:
This is the easiest and fastest method. All you have to do is dial a specific code on your phone:
- First, check your SIM balance is AED 1 or less.
- Now dial *108*1# from your phone.
- After that, you will receive a confirmation message that you have been credited with AED 50.
Follow the step by step guide:
- Dial *108# from Etisalat number
- Type 1
- Tap on send button
- AED 50 will be credited into your Etisalat account
Unsubscribe: If you want to unsubscribe from Etisalat Reserve Credit service dial *108*2#.
Manage: To manage Etisalat services, simply dial *108# and follow the On-Screen instructions.
Check Balance: You can check your Etisalat prepaid balance by dialing *121#.
Get loan through SMS:
A loan application can also be made through SMS from Etisalat which is the method listed below.
- Write “LOAN” on your mobile phone and send it to “1080“.
- You will get a loan of AED 50 instant, and you can use it immediately.
Get a loan through the Etisalat app
Etisalat has also introduced its mobile app which provides more convenience to the users. This app is available for all types of mobile devices which you can easily download and install from Google Play Store or Apple Store.
- First, search for My Etisalat UAE from the Google Play Store or Apple Store according to your phone.
- Download the My Etisalat UAE app and log in to your account.
- On Homepage, Tap on “Account”
- Go to the Etisalat Reserve Credit section and select the AED 50 loan option.
- Sometimes, in case of a low balance, “Etisalat Reserve Credit” is given just below “Balance Info”, by clicking on it you can go to this section.
- Click on the “Get Loan” button and confirm the loan amount
- Your loan will be credited to your account instantly.
Loan Fees and Method of Repayment
When you borrow money from Etisalat, Etisalat also charges you its service fee according to your SIM plan. When you recharge your mobile again, Etisalat immediately deducts that amount from your account. There are no fixed charges for availing the loan but a percentage is charged according to the service you use.
Additional charges will apply based on your usage, and these charges will be in two ways:
Single Account SIM Users:
If you have only one balance account in your account, then whatever service you use (eg calls or SMS), will incur an additional charge of 20%. For example, if you make a call worth AED 10, then AED 20 % additional charge = 2 AED, and the total cost will be 12 AED.
Users with multiple accounts:
If you have multiple balance accounts in your account, each minute of a call or each SMS will incur an additional charge of AED 0.06. For example, a 5-minute call will incur an additional charge of 5 × 0.06 = 0.30 AED.
If you recharge AED 50, the same amount will be deducted from your next recharge, and the remaining balance will be available in your account.
Etiaslat Loan balance limits:
The loan amount is limited, and you only get a loan up to a certain amount depending on your SIM usage. Etisalat offers loans from AED 5 to AED 50 which can be checked by dialing *180#. This facility is temporary and in case of non-repayment, you will not be able to borrow more.
Once you have availed this service but have not paid back the previous amount, you cannot make a new request for a loan. After fulfilling the requirements, you should recharge immediately so that later you do not have any difficulty in borrowing credit again.
Deactivation of Etisalat Reserve Credit
Dial USSD code *108*2# to deactivate the Etisalat Reserve credit service. If this service is subscribed, you will always received AED 50 loan credit into your account while having low credits. If you don’t wish to use this service anymore, simply unsubsubsribe it.
- Dial *108#
- Type 2 for Deactivate
- Tap on send
- Service will be suspended and you will not received loan amount again while low credits.
Why Advance Balance is important?
Etisalat Advance Balance also known as Reserve Credit is a very important service that every Etisalat customer should know about. You can easily get a balance of up to 50 AED by following the given methods and stay in touch with your loved ones in difficult situations. Keep remember Etisalat loan credit service USSD code *180#.
FAQs:
Advance Balance is a service from Etisalat through which you can get a specific amount immediately as an emergency when your account runs out of balance. Dial *180*1# to get the loan balance.
If you have a single account SIM, you will have to pay an additional charge of 20% on each service while with multiple accounts, there will be an additional charge of AED 0.06 per minute or SMS.
Yes, VAT (5%) applies to your used balance, but additional charges do not include VAT.
No, the advance balance amount will not expire. The advance amount and additional charges will be deducted when you do your next recharge.
You can take an advance balance whenever you clear your balance, but the advance balance taken earlier must be paid.
Dial *108*2# to terminate this service.
Simply dial *108# and reply prompts with “4” and tap send. You can also check the status of your advance balance service by using the My Etisalat UAE app.
You can dial *121# to check the balance information.
Yes, once you have subscribed to this service, next time when your credit will be AED 1 or below, you will automatically received AED 50 loan into your account.
