Prepaid customers under the Etisalat telecom network can seek credit from the loan balance service to maintain their communication services after their balance reaches zero. When your balance becomes low you can access this service to keep using calls messages and mobile data.
In this guide, I will explain everything you need to know about getting an Etisalat loan balance, including eligibility, subscription methods, and how to use the service via the app.
Eligibility Criteria for Etisalat Loan Balance
Users need to satisfy particular eligibility requirements which must be met before requesting a loan balance from Etisalat. Here are the requirements:
- The eligibility requirement for prepaid service users is 2 consecutive months of active service.
- Clients need to actively use their Etisalat prepaid account for AED 10 or more each month.
- The amount on your account needs to be at least lower than the maximum balance required to obtain a loan.
The methods to request an Etisalat loan balance are available for those clients who satisfy the qualifying requirements.
How to Subscribe to Etisalat Loan Balance
Etisalat enables you to subscribe to their loan balance service by using a basic USSD code. Follow these steps:
Subscription Code
- Dial
*108*1#from your Etisalat prepaid number. - After processing your loan balance application you will get notification confirmation through a message.
- After the loan request, you will receive an immediate transfer of funds to your account.
Unsubscription Code
Users can stop receiving the service by dialing *108*2# from their account.
*108*2#- The system will notify you about your successful removal from service.
Etisalat Loan Balance via the App
You can access the loan balance service through the convenient platform of the My Etisalat UAE App. Here’s how you can do it:
Steps to Get a Loan Balance via the App
- Download and Install the App
- If you don’t already have the app, download it from the Google Play Store or Apple App Store.
- Log in to Your Account
- Entering the Etisalat phone number which you have registered with the service.
- Use the OTP which was sent to your number to verify your login.
- Navigate to the Loan Balance Section
- The user should navigate to the ‘Credit Transfer & Loan’ section after successful login.
- Choose the option to request a loan from the available choices.
- Confirm Your Request
- The application shows the amount that meets your qualification criteria.
- You must confirm your request to get instant delivery of the loan funds.
Loan Balance Packages Available
The amount of loan available from Etisalat depends on your credentials as well as your service history. Available packages exist for the product as shown below:
| Loan Amount (AED) | Service Fee (AED) | Repayment Method |
|---|---|---|
| 5 | 1 | Deducted from next recharge |
| 10 | 1.5 | Deducted from next recharge |
| 20 | 2 | Deducted from next recharge |
| 30 | 2.5 | Deducted from next recharge |
Key Points to Remember
- The prepaid loan amount gets deducted directly from an upcoming recharge.
- Service fees apply each time you ask to borrow money from Etisalat.
- Your maximum requestable amount through Etisalat prepaid loan service increases based on your existing usage of the service.
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Checking Your Etisalat Loan Balance
To view your remaining loan balance you should do the following steps.
- Via USSD Code: Dial
*121#and press call. - Via the Etisalat App: Users who access the ‘Loan Balance’ section under the Etisalat App will find it easily.
- Via SMS: Send ‘BAL’ to 1010 to receive your balance details via SMS.
Benefits of Using Etisalat Loan Balance
Loan balance serves several practical uses when accessed by customers. Here are some key benefits:
1. Emergency Usage
- Usage of your low balance enables phone calling functions alongside SMS sending capabilities and connection to cellular data networks.
2. Instant Credit Availability
- Users obtain instant balances anytime without requiring them to visit stores or depend on friend loans.
3. Flexible Repayment
- Your next recharge contains an automatic system that deducts the principal loan amount.
4. Easy Accessibility
- Available through USSD codes and the My Etisalat UAE App.
Frequently Asked Questions (FAQs)
1. Can I request another loan before repaying the previous one?
- A new loan request requires you to finish repayment of the previous loan.
2. What happens if I don’t recharge to cover the loan?
- A pending loan balance will stay in place until your network recharge is available.
3. Can postpaid users avail of this service?
- Except for prepaid customers, the Etisalat loan balance is not accessible.
4. Is there a limit to how many times I can request a loan?
- Yes, the number of times depends on your eligibility and usage pattern.
5. Can I transfer the loan balance to another number?
- No, the loan balance is only for your own use and cannot be transferred.
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Final Words
The Etisalat loan balance service serves as an essential tool that will provide users with connection access after their balance expires. The service enables you to maintain uninterrupted calls or SMS or mobile data access in emergency situations. The process explained in this guide enables subscribers to check and repay their Etisalat loan balance without any difficulty.
If you meet the eligibility criteria, go ahead and request your Etisalat loan balance today!
