Sometimes you are in a very tight corner and need to make an urgent call – don’t worry, Glo has launched value added service nick-named “Borrow Me Credit” for Prepaid Customers base. This allows you to borrow N50, N100, N200, N500 and N1,000 to be paid back on your next recharge within a specified period. This means when you run out of recharge, you could borrow to top up your mobile phone. This is applicable during late night hours, while traveling, etc. Under these emergency situations customer. Repayment is flexible, because you only payback when you need to recharge, the borrowed credit will be deducted from your account balance. The only downside to this service is The the 15% service charge deduction.
Table of Contents
Glo Borrow Me Credit Code
follow the steps below To borrow airtime from GLO
Step 1: dial *321# to Create a 4 digits pin. On your Glo sim, Input 4 digit pin of your choice to activate the glo “Borrow Me Credit” service e.g 1960
Step 2: Dial the USSD short code *321#, and the qualified amount of recharge, followed by an # top up you account balance
for example
32150# for N50
321100# for N100
321200# for N200
321500# for N500
3211000# for N1000
A Chart Showing the Service Charge
| Denomination (N) | Time on Network (Months) | Average Monthly Usage (N) | Service Charge (N) |
| 50 | 4 | 200 | 5 |
| 100 | 4 | 400 | 10 |
| 200 | 4 | 800 | 20 |
| 500 | 4 | 2000 | 75 |
| 1000 | 12 | 5000 | 100 |
The “Borrow Me Credit” airtime advanced is subject to a service charge as stated below
To activate auto-borrow service on your glo line
To Opt-in to the auto-borrow me service
Dial *321#
Reply with 1 for “auto-borrow”
Choose the amount you wish to be credited with when your call credit gets low
Wait for confirmation SMS from glo network
How to Deactivate / cancel auto recharge on Glo Borrow Me Credit
To do so stop or opt-out from the auto recharge on Borrow Me Credit, simply dial 3219*12#. You should get an SMS notifying you that you have successfully opted out of the service.
USSD Short code: 3219*12#.
or
Dial *321#
Reply with 1 for auto-borrow
Then select 2 to unsubscribe
Wait for confirmation SMS from glo network
Borrow Me Credit Service (FAQ)
Q: What is Borrow Me Credit Service?
A: Borrow Me Credit Service, enables you to request for airtime whenever you have run out of airtime to pay back on your next recharge.
Q: How do I get to be eligible for this service?
A: You need be consistent subscriber on Glo for at least 4 months and have a good usage history.
Q: How do I apply for the service?
A: Activate the service through the USSD short code (*321#) and create a pin to start using the service immediately.
Q: How do I borrow Airtime?
A: Dial 321[the amount of recharge]# top up you account balance 32150# for N50
Q: Can I call other Networks with the Borrow Me Credit?
A: Yes, you can make calls to all network with the glo borrow me credit.
Q: Can I make international calls with the Borrow Me Credit?
A: Yes, you can make international calls to all network with the glo borrow me credit
Q: Can I use my Borrow Me Credit to Browse the Internet?
A: Yes you can.
Q: I dialed *321# but got no response
A: Hold on a second and try again, there may be many requests on the system and or temporary system downtime.
Q: I applied for Borrow Me Credit but got a message informing me that I am not eligible
A: This may happen for 2 reasons:
You may have not used the glo sim for a minimum of 4 months.
You may not have settled the previous borrow credit debt
Q: I applied for the Borrow Me Credit long ago yet it was deducted this week.
A: This could be due to delay in our system getting recharge notifications from the network. Our system is designed to recover airtime as soon as it gets notified of your reload, and if there are delays in such notifications it could result in delay in deduction after any one of your reloads.
Q: What happens if I don’t repay my loan after 72 hours?
A: You will not be able to access the Service until you pay back the entire amount owed and it will adversely affect your credit rating which is important for qualifying for higher amounts in future.
Q: What minimum balance should I have in my account to successfully apply for Borrow Me Credit Service?
A: You can qualify for this product with any balance in your main account.
Q: I applied for N500 but I got N425 instead, why?
A: The amount you receive is less 15% service charge which will be recovered together with the credited amount next time you reload.
Q: Can I borrow more than once without repaying the first loan?
A: No, you must first repay the first loan before being eligible for another.
Q: I borrowed N500 and I had N500 in my account prior and I have not reloaded since, at what point do you start deducting from the remaining balance?
A: We will begin deducting from the borrower’s main account 72 hours after Borrow Me Credit service
Q: What happens to my Borrow Me Credit in the event I replace my SIM card?
A: Your Borrow Me Credit service remains intact and will be accessible as soon as you replace your SIM card as long as the grace period has not expired, which is currently at 72 hours.