We’ve all been there before: you want to make an important call, and there’s airtime. That’s exactly why MTN Nigeria created XtraTime as an instant way to borrow airtime and stay connected.
In this guide, we cover how to borrow airtime from MTN, eligibility criteria, fees, and how to repay automatically.
What is MTN XtraTime?
MTN XtraTime gives customers instant airtime when they’re out of balance. You can borrow anywhere from ₦50 to ₦500, depending on your eligibility. Whatever you borrow comes with a 15% service fee deducted upfront.
For example, if you borrow ₦100, MTN immediately credits your line with ₦85 usable airtime and takes ₦15 in fees.
Who is Eligible to Borrow Airtime from MTN?
Not every MTN line qualifies immediately, but meeting basic criteria unlocks the service quickly.
- You need an active MTN prepaid line that’s been in use for at least 3 months
- You need to have a solid recharge history of ₦200 or more per month during that period.
- You should have no outstanding debts with MTN on your prepaid line
Step-by-Step Guide: How to Borrow Airtime from MTN
Method 1: USSD Code
The quickest way to use the code to borrow airtime from MTN. This method is perfect because it works for every phone and anywhere.
- Dial *303# from your MTN line.
- If it is your first time borrowing, you will get a message from MTN to check your eligibility, consent to it.
- Choose your desired amount from the options
- Then confirm for MTN to credit your line instantly
- You will receive an SMS confirmation with your new balance.
Method 2: MyMTN App
For smartphone users with data, the MyMTN app is a convenient method to borrow.
- Open the MyMTN app
- Click on borrow
- Accept the conditions for MTN to check your eligibility.
- Click on Borrow Airtime
- Select the amount you want to borrow and confirm using your transaction PIN.
How Much Can You Borrow?
Borrowing limits range from ₦50 for new lines and up to ₦10,000+ for regular customers. Dial *303# anytime to check your current maximum. The service fee is still a flat 15% for any amount you borrow, and it is deducted upfront.
Also read: How to Borrow Data on Airtel
How Repayment Works
MTN automatically deducts the full borrowed amount from your next recharge. If you top up ₦200 and owe ₦100, MTN takes the ₦100 first, leaving you with ₦100 airtime.
When you’re ready to clear your loan, visit VTpass.com or use our mobile app to buy airtime instantly. Select MTN, enter the amount needed to cover your debt (or more), pay via card, transfer, or wallet, and get the credit immediately.
Conclusion
Borrowing airtime from MTN through XtraTime is a lifesaver for staying connected. Dial *303# right now to check your limit, borrow what you need, and recharge via vtpass.com.