This is your go to guide for How To Borrow Credit From Etisalat UAE in 2025. Here at HowUAE, we know how important it is to stay connected. We’ll cover everything from eligibility, steps, loan amounts, repayment and smart usage tips. No more zero balance Etisalat stress.
We’re going deep into Etisalat’s amazing service that’s a lifesaver: borrowing credit when you need it! Etisalat offers this feature officially called Reserve Credit (also known as Advance Credit, Etisalat loan or Etisalat Out of Credit Service). let’s learn how to use this Etisalat credit facility with simple steps!
What Etisalat’s Borrow Credit Service?
Etisalat’s Borrow Credit is a convenient feature for Etisalat Wasel prepaid customers. Think of it as a short-term mini loan on your mobile credit.
Why It’s Useful
- Provides emergency balance when your account hits zero.
- Lets you make calls, send SMS, or use data immediately.
- Perfect for urgent situations like calling a taxi or confirming appointments.
Whether you call it Reserve Credit Etisalat, Advance Credit, or simply an Etisalat balance loan, the goal is the same: keeping you connected when it matters most.
Are You Eligible to Borrow Credit from Etisalat?
Before you borrow, you need to meet Etisalat loan eligibility criteria:
Key Requirements
- Prepaid Users Only: Only Etisalat Wasel users can access this service.
- Active Line: Your number must be active for at least 2–3 months.
- Recharge History: Regular top-ups increase your chances of approval.
- No Outstanding Debt: Any unpaid credit must be cleared before borrowing again.
How to Check Borrow Credit Eligibility
Dial *108# – the system will automatically check your profile and send an SMS if you’re eligible along with the available loan amount.
How to Borrow Credit from Etisalat UAE Method
Need a quick Etisalat loan? Here’s how to get it:
- Open Your Phone Dialer
- Dial *108#
- Press the Call Button
- Follow the On-Screen Prompts or SMS Instructions
- Confirm to Borrow
What Happens Next?
- You’ll get a confirmation SMS showing your eligible loan amount, typically between AED 5 to AED 50.
- Once confirmed, the amount will be instantly credited to your balance (minus a service fee).
Alternate Code
You may also try *505# if *108# doesn’t work. However, *108# is the”most reliable” and widely used.
Read: “Etisalat Balance Check” | How to Get Etisalat Loan” | “Etisalat 1GB Per Day“
Borrowing Loan Amounts and Service Fees
When borrowing credit, two things matter most:
Loan Amounts Factors
| Factor | Impact on Loan Amount |
|---|---|
| Account Age | Older accounts may get higher loans |
| Top-up Frequency | Regular users may qualify for more |
| Repayment History | Timely repayments improve limits |
Loan amounts range from AED 5 to AED 50, depending on your Etisalat usage profile.
Service Charge
- A small fee is deducted from the amount you borrow.
- For example, borrowing AED 10 might leave you with AED 9 after a AED 1 service fee.
- The fee will be shown in the SMS confirmation.
How to Repay Etisalat Credit Loan
One of the best parts? Repayment is hassle-free.
- Automatic Deduction: Next time you recharge, Etisalat will automatically deduct the borrowed amount + fee.
- No Manual Action Required: No need to dial any special code or visit any store.
- Make Sure to Recharge Enough: Always recharge enough to cover the loan + fee and still leave some usable balance.
Example:
| Scenario | Recharge Amount | Loan + Fee | Remaining Balance |
|---|---|---|---|
| Borrowed AED 10, fee AED 1 | AED 10 | AED 11 | AED 0 |
| Borrowed AED 10, fee AED 1 | AED 20 | AED 11 | AED 9 |
Smart Tips for Using Etisalat Reserve Credit
Etisalat’s service is great, but smart usage makes it even better:
How to Use Wisely
- Use Only in Emergencies: Avoid relying on it regularly due to the extra fee.
- Check Eligibility in Advance: Dial *108# occasionally to stay informed.
- Borrow the Minimum You Need: This helps you minimize fees and stay in control.
- Stay Updated: Codes, terms, and fees may change—keep an eye on the Etisalat app or official website.
By using the service strategically, you ensure it remains a helpful safety net rather than a recurring cost.
Conclusion
So there you have it – your complete HowUAE guide to How To Borrow Credit From Etisalat in 2025.
Whether it’s an urgent call, a quick message, or a last-minute data check, Etisalat’s emergency loan service ensures you’re never completely disconnected.
This Etisalat credit facility is a lifesaver for prepaid users across the UAE. Use it wisely, stay connected, and avoid the stress of “insufficient balance” warnings!
Also Read: “Etisalat 100GB Data Plan Prepaid” | “Du Monthly Data Package 35 AED“
FAQs: Borrowing Credit from Etisalat UAE
Q1: How do I borrow credit from Etisalat UAE again? What’s the code?
A: Dial *108# and follow the instructions.
Q2: Who can borrow credit from Etisalat?
A: Only Etisalat prepaid (Wasel) users with regular usage and no outstanding credit.
Q3: Is there a fee for borrowing credit?
A: Yes, a small service charge is deducted from the borrowed amount.
Q4: How is the borrowed credit repaid?
A: It’s automatically deducted from your next recharge.
Q5: What can I use the borrowed credit for?
A: For calls, SMS, and mobile data just like your regular balance.
Q6: How much can I borrow?
A: Between AED 5 to AED 50, depending on your Etisalat usage history.
Q7: What happens if I don’t recharge after borrowing?
A: The loan remains unpaid, and you won’t be able to borrow again until it’s repaid.
Disclaimer: Information provided is based on publicly available data as of early 2025. Etisalat may update services or USSD codes at any time. Always check with official Etisalat UAE sources for the most up-to-date details.
