Introduction
Running out of data when you need to browse urgently can be frustrating. Fortunately, Airtel offers a data loan service that allows you to borrow data instantly and pay later.
Through the Airtel Credit Loan Service, prepaid customers can borrow data when they run out and repay when they recharge. You can borrow up to 4.5GB based on your recharge frequency and eligibility status.
In this guide, we’ll show you how to borrow data from Airtel in Nigeria, check your eligibility, and repay your data loan effortlessly.
Table of Contents
What is Airtel Data Loan Service?
The Airtel Data Loan Service enables customers to borrow data and pay later when they recharge. However, Airtel charges a 15% service fee on every borrowed data bundle.
For example, if you borrow 1.5GB for ₦1,000, you’ll need to repay ₦1,150 when you recharge.
How to Borrow Data from Airtel in Nigeria: Quick Steps
- Dial *500# on your Airtel line.
- Check your eligibility status.
- Select the “Borrow Data” option.
- Choose the data amount you want to borrow.
- Receive the borrowed data instantly.
- Start browsing, streaming, and downloading.
- Repay your loan when you recharge.
Let’s explore these steps in detail.
Step-by-Step Guide to Borrow Data from Airtel in Nigeria
Step 1: Check Your Eligibility for Airtel Data Loan
Before you can borrow data, you need to confirm your eligibility:
- Dial *500# on your phone.
- If eligible, you’ll see a list of data bundles you can borrow.
- If not eligible, you’ll receive a notification stating that you don’t qualify yet.
Step 2: Select the Borrow Data Option
- After dialing *500#, reply with the “3” option to borrow data.
- A list of available data loan amounts will be displayed based on your recharge history.
Step 3: Choose the Data Amount to Borrow
- Select the data bundle you want to borrow from the displayed options.
- Confirm your selection, and the data will be credited to your account immediately.
- You can now browse, stream, and download content.
Airtel Borrow Data Price Options and Interest Rates
| Data Amount | Price | Validity | Service Fee (15%) | Total Payable Amount |
|---|---|---|---|---|
| 40MB | ₦50 | 1 day | ₦7.50 | ₦57.50 |
| 75MB | ₦100 | 1 day | ₦15 | ₦115 |
| 200MB | ₦200 | 3 days | ₦30 | ₦230 |
| 350MB | ₦300 | 7 days | ₦45 | ₦345 |
| 750MB | ₦500 | 14 days | ₦75 | ₦575 |
| 1.5GB | ₦1,000 | 30 days | ₦150 | ₦1,150 |
| 3GB | ₦1,500 | 30 days | ₦225 | ₦1,725 |
| 4.5GB | ₦2,000 | 30 days | ₦300 | ₦2,300 |
Who Is Eligible to Borrow Data from Airtel?
To qualify for Airtel Data Loan Service, you must meet the following conditions:
✅ You must be a prepaid Airtel customer.
✅ Your SIM must be registered and linked to NIN.
✅ You must frequently recharge your Airtel line.
✅ You must have no outstanding Airtel loan.
How to Check Eligibility:
- Dial *500#, and Airtel will notify you if you qualify for a data loan.
How to Repay Borrowed Data on Airtel
Once you borrow data, Airtel automatically deducts the loan when you recharge your line.
- Method 1: Recharge with the total payable amount, and Airtel will deduct the loan automatically.
- Method 2: Dial *500#, reply with “4”, and select the option to repay your loan manually.
How to Check Airtel Data Loan Balance
- Dial *121# and follow the prompts to check your remaining data balance.
Benefits of Borrowing Data from Airtel
✔ Instant Access: Get data when you need it without waiting.
✔ No Internet Required: Borrow data through *500# even without an internet connection.
✔ Flexible Loan Options: Borrow as little as 40MB or as much as 4.5GB.
✔ No Extra Documents: No need for bank details or paperwork.
Alternatives to Borrowing Data on Airtel
1. Buy Cheap Data Using the Centry App
Instead of borrowing data, you can buy cheap Airtel data using the Centry app (usecentry.com).
✅ Get data 1% – 10% cheaper than bank rates.
✅ Refer 11 people and get free 1GB data.
✅ Earn additional rewards, including airtime and cash prizes.
This is a great alternative if you want affordable data without extra loan charges.
Related: 7 Proven Ways to Use USSD Code for Loans in Nigeria (2025)
FAQs: How to Borrow Data from Airtel in Nigeria
What is the code to borrow data from Airtel?
The code to borrow data from Airtel is *500#. This allows you to check eligibility and borrow data instantly.
How can I borrow 1.5GB on Airtel?
Dial *500#, select “Borrow Data”, and choose 1.5GB from the list. The total repayment amount will be ₦1,150
How do I repay borrowed data on Airtel?
Recharge your Airtel line with the full amount you owe, and the loan will be deducted automatically. You can also dial *500#, select “Repay Loan”, and follow the prompts.
How do I check my borrowed data balance?
Dial *121# and select the option for data balance inquiry.
Can I borrow data on Airtel without recharging?
No. You must frequently recharge your Airtel line to qualify for data borrowing.
Conclusion: Borrow Data from Airtel with Ease!
Airtel’s data loan service is a lifesaver when you urgently need data. By dialing *500#, you can borrow up to 4.5GB, ensuring you stay connected anytime, anywhere.
However, if you want to avoid extra loan charges, consider buying cheap data on the Centry app, where you can get up to 10% discounts or earn free 1GB by referring friends.
Stay connected—borrow or buy cheap data today!