Etisalat Loan Code in UAE [ Complete Guide ]

Are you an Etisalat user in the UAE looking for a quick way to borrow credit when your balance runs low? The “Etisalat loan code UAE” is easy solution that lets you get instant credit like the popular “Etisalat loan 10 AED” without needing to recharge right away. This guide will explain everything about the “Etisalat loan” “Etisalat credit loan” and “Etisalat udhar code”. This comprehensive guide will walk you through the process of borrowing credit from Etisalat, covering eligibility, methods, charges, and frequently asked questions.

*108# Etisalat Dial code for Loan

What is the Etisalat Loan Code UAE?

The “Etisalat loan code” is a special USSD code you can dial on your Etisalat phone to borrow a small amount of credit, such as 10 AED, when your balance is low. Known as the “Etisalat credit loan” or “Etisalat udhar code” (where “udhar” means loan in some languages), this service is perfect for emergencies. Whether you need to make a call, send a message, or use data, the “Etisalat loan” keeps you connected until you can recharge. The borrowed amount is added to your next bill or deducted from your next top-up, depending on whether you’re a postpaid or prepaid user.

Etisalat, one of the UAE’s top telecom providers offers this service to make life easier for its customers. The most common option is the “Etisalat loan 10 AED,” but there may be other amounts available based on your account status. Let’s dive into how you can use this service and what you need to know.

How to Use the Etisalat Loan Code UAE

Using the “Etisalat loan code UAE” is simple and quick. Here’s how you can get an “Etisalat loan” in just a few steps:

1. Dial *108#: Open your phone’s dialer and enter *108#, then press the call button.
2. Follow Instructions: A menu will appear with options. Follow the prompts to confirm your loan request.
3. Confirmation: Upon successful processing, you will receive a confirmation SMS, and the borrowed amount will be credited to your account.

Eligibility Criteria

To be eligible for the Reserve Credit service, you must meet the following conditions:

• Prepaid Account: You must be an Etisalat prepaid customer.
• Active Usage: Your account should have been active for at least three months.
• Monthly Usage: You should have a minimum monthly usage of AED 10.
• Low Balance: Your account balance must be below AED 1 to request a loan.
• No Outstanding Loans: Any previously borrowed credit should be repaid before requesting a new loan.

How to Borrow Credit from Etisalat

There are multiple ways to borrow credit from Etisalat:

1. Using USSD Code

The quickest method to borrow credit is by dialing a USSD code:

1. Dial *108#: Open your phone’s dialer and enter *108#, then press the call button.
2. Follow Instructions: A menu will appear with options. Follow the prompts to confirm your loan request.
3. Confirmation: Upon successful processing, you will receive a confirmation SMS, and the borrowed amount will be credited to your account.

Alternatively, some sources mention using *505# to access the loan service. However, *108# is the primary code recommended for borrowing credit.

2. Via SMS

You can also request a loan through SMS:

1. Compose Message: Open your messaging app and type “CREDIT”.
2. Send to 1010: Send the message to 1010.
3. Receive Credit: If eligible, you will receive a confirmation SMS, and the credit will be added to your account.

3. Through Etisalat Mobile App

If you have the Etisalat UAE app installed:

1. Open the App: Launch the Etisalat UAE app and log in to your account.
2. Navigate to Account: Tap on the “Account” section.
3. Request Loan: Under “Balance Information,” select the option to borrow credit.
4. Confirmation: Follow the prompts to confirm, and the credit will be added to your account.

Loan Amount and Service Charges

The amount you can borrow depends on your usage history and eligibility. Typically, the Reserve Credit service offers a loan of AED 5. A service fee is applied to the borrowed amount:

• Service Fee: A 20% service fee (excluding VAT) is charged on top of the existing tariff for the services used with the borrowed credit. For example, if you borrow AED 5, a service fee of AED 1 will be applied, totaling AED 6 to be repaid upon your next recharge.

It’s important to note that the Reserve Credit balance does not expire and will be automatically deducted from your next recharge.

Repayment of Borrowed Credit

Repayment is straightforward:

• Automatic Deduction: The borrowed amount, along with the service fee, will be automatically deducted from your next recharge. For instance, if you borrowed AED 5 with a AED 1 service fee, a total of AED 6 will be deducted from your next top-up.
• Multiple Loans: You cannot request another loan until the previous one is repaid. Ensure you recharge your account with sufficient balance to cover the borrowed amount and associated fees.

How to Check Your Balance

To monitor your balance, including any borrowed credit:

• Dial *121#: Enter *121# and press the call button. Your current balance, including any outstanding loans, will be displayed.

Deactivating the Reserve Credit Service

If you wish to unsubscribe from the Reserve Credit service:

• Dial *108#: Enter *108# and press the call button. You will receive a confirmation message upon successful deactivation.

Frequently Asked Questions (FAQs)

What is the Etisalat loan code for 10 AED?

• Dial *108# to request the “Etisalat loan 10 AED.” You’ll get a confirmation if approved.

Can I use the Etisalat loan code on prepaid?

• It’s likely for postpaid users, but prepaid might use *108# for reserve credit. Check with Etisalat.

Q1: Can I borrow more than AED 5 from Etisalat?

A1: The standard loan amount is AED 5. Higher amounts may be available based on your usage history and eligibility.

Q2: Is the Reserve Credit service available to postpaid customers?

A2: No, the Reserve Credit service is exclusively for prepaid customers.

Q3: How often can I use the Reserve Credit service?

A3: You can use the service whenever your balance is below AED 1, provided you have repaid any previous loans.

Q4: Are there any additional charges for using the Reserve Credit?

A4: Yes, a 20% service fee (excluding VAT) is applied to the borrowed amount. This fee is deducted along with the loan upon your next recharge.

Conclusion Etisalat Loan Code

The “Etisalat loan code UAE” is a quick and easy way to stay connected when your balance drops. Whether you use *108# for the “Etisalat loan 10 AED” or explore other “Etisalat credit loan” options, this service is all about convenience. It’s perfect for emergencies, with no complicated steps just dial *108# get your credit, and repay later.

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