How to Borrow Credit from Etisalat UAE in 2025: A Simple Guide

Hello Readers, Running out of mobile credit at the worst possible moment can be a real headache, especially when you’re in the middle of an important call or need data to stay connected. If you’re an Etisalat prepaid user in the UAE, the Etisalat Reserve Credit service, often called the Etisalat Loan, is a lifesaver. This handy feature lets you borrow up to AED 50 when your balance is low, ensuring you can make calls, send texts, or use data without interruption. In this guide, I’ll walk you through everything you need to know about how to borrow credit from Etisalat UAE in 2025, including eligibility, steps to borrow, repayment details, and tips to use it wisely. I’ve also included a table summarizing the key points for quick reference. Let’s get started!

What Is the Etisalat Reserve Credit Service?

The Etisalat Reserve Credit service is a feature designed for prepaid users who run low on balance. It allows you to borrow credit ranging from AED 5 to AED 50, depending on your usage history. You can use this credit for local or international calls, SMS, or even to purchase a Non-stop Silver data plan. The borrowed amount, along with a small service fee, is automatically deducted from your next recharge, making repayment hassle-free.

Operated by e& (formerly Etisalat) in the UAE, this service is perfect for emergencies, whether you’re in Dubai, Abu Dhabi, Sharjah, or any other emirate. You can access it through USSD codes, the e& UAE app, or SMS, and it’s designed to keep you connected when you need it most.

Why Use the Etisalat Loan Service?

Here’s why the Etisalat Reserve Credit service is a great option for prepaid users:

• Instant Access: Get credit in seconds when your balance drops to AED 1 or less.

• Flexible Usage: Use the borrowed credit for calls, texts, or data, just like regular balance.

• Automatic Repayment: The loan and fee are deducted from your next recharge, so no extra steps are needed.

• No Long-Term Commitment: Borrow only when you need it, with no ongoing obligations.

• Widely Available: Works across all UAE emirates, from Dubai to Fujairah.

This service is especially useful for students, travelers, or anyone who occasionally runs out of credit and can’t recharge immediately.

Eligibility Criteria for Borrowing Credit

Not every Etisalat prepaid user can borrow credit. To qualify for the Reserve Credit service in 2025, you need to meet these requirements:

• Prepaid Account: You must have an active Etisalat prepaid SIM (not available for postpaid users).

• Account Age: Your SIM must be active for at least 2 months (some sources suggest 3 months).

• Minimum Usage: You need to have a monthly usage of at least AED 10 (for calls, SMS, or data).

• No Outstanding Loans: Any previous loans must be fully repaid before you can borrow again.

• Low Balance: Your balance must be AED 1 or less to activate the loan.

To check your eligibility, dial *108# and reply with “4” to receive an SMS confirming whether you qualify and the loan amount available (AED 5 to AED 50, based on your usage history).

How to Borrow Credit from Etisalat in 2025

Etisalat makes it easy to borrow credit through three main methods: USSD codes, the e& UAE app, or SMS. Below, I’ve outlined each method in simple steps to help you get started.

1. Using USSD Codes

The quickest way to borrow credit is by dialing a USSD code. It’s free, doesn’t require internet, and works on any phone. Here’s how:

• Open your phone’s dialer.

• Dial 1081# and press the call button.

• Follow the on-screen prompts to subscribe to the Reserve Credit service.

• Once subscribed, the loan will automatically activate when your balance drops to AED 1 or less.

• You’ll receive an SMS confirming the credited amount (e.g., AED 5, AED 10, AED 30, or AED 50).

• To deactivate the service and stop auto-renewal, dial 1082#.

This method is perfect for quick access, especially when you’re on the go or in an area with limited internet.

2. Using the e& UAE App

The e& UAE app (formerly My Etisalat UAE) is a user-friendly option for managing your account and borrowing credit. Here’s how to use it:

1. Download the “e& UAE” app from the Google Play Store or Apple App Store.

2. Log in with your Etisalat mobile number or register using a verification code sent via SMS.

3. Go to the “Account” or “Balance” section on the app’s homepage.

4. Look for the “Reserve Credit” or “Get the Loan” option and tap it.

5. Select the loan amount (if prompted) and confirm.

6. The credit will be added instantly, and you’ll receive an SMS confirmation.

The app is great for tech-savvy users who want to monitor their balance and manage other services alongside borrowing credit.

3. Using SMS

You can also request a loan via SMS, though this may incur a small fee (e.g., AED 0.30). Here’s how:

• Open your messaging app.

• Type “CREDIT” (all caps) and send it to 1010.

• Follow the reply SMS instructions to confirm the loan.

• The credit will be credited to your account instantly, with an SMS confirmation.

Check with Etisalat for any SMS charges, as they may vary.

Service Charges and Repayment

When you borrow credit, Etisalat charges a service fee, which is deducted along with the loan amount during your next recharge. Here’s the breakdown:

• Loan Amounts: AED 5, AED 10, AED 30, or AED 50, depending on your eligibility and usage history.

• Service Fee: Typically 20% of the borrowed amount (excluding 5% VAT). For example, borrowing AED 5 incurs a AED 1 fee, so you repay AED 6. Borrowing AED 50 incurs a AED 10 fee, so you repay AED 60.

• Repayment: The loan and fee are automatically deducted when you recharge your account using a recharge card, the e& UAE app, or online banking. If your recharge is less than the total owed, the remaining balance will be deducted from future recharges.

To check your loan balance, dial *121# or use the e& UAE app.

Also Check: HRMS Bihar Salary Slip

Summary of Etisalat Reserve Credit Details

Here’s a table summarizing the key details of the Etisalat loan service in 2025:

Note: Fees and policies may change, so verify details on www.etisalat.ae or by calling 101.

Tips for Using the Etisalat Loan Wisely

To get the most out of the Reserve Credit service, follow these tips:

• Use for Emergencies: Borrow only when necessary to avoid frequent service fees.

• Monitor Your Balance: Dial *121# regularly to track your balance and loan status.

• Recharge Promptly: Top up your account soon after borrowing to clear the loan and remain eligible for future loans.

• Check Eligibility: If you’re a new user, ensure your SIM is active for 2–3 months with AED 10 monthly usage to qualify.

• Explore Alternatives: If ineligible, ask a friend to transfer credit using 100recipient_number*amount# or use Etisalat’s free Wi-Fi in public places.

Troubleshooting Common Issues

If you face problems borrowing credit, try these fixes:

• Not Eligible: Confirm your SIM is active for 2–3 months, you’ve used AED 10 monthly, and no loans are outstanding. Recharge to clear any debts.

• USSD Code Not Working: Double-check the code (1081#) or try *505#. Restart your phone or check network coverage.

• App Issues: Update the e& UAE app or reinstall it if you can’t log in or access the loan option.

• No SMS Confirmation: Ensure you have signal and try again. Contact 101 if the issue persists.

Why Choose Etisalat in the UAE?

Etisalat, now e&, is a leading telecom provider in the UAE, serving over 167 million users across 15 countries. With reliable 4G and 5G networks, innovative services like Reserve Credit, and user-friendly tools like the e& UAE app, Etisalat ensures you stay connected effortlessly. The loan service is a testament to their commitment to customer convenience, especially in emergencies. HRMS Bihar

Final Thoughts

Borrowing credit from Etisalat UAE in 2025 is a quick and easy way to stay connected when your balance runs low. With options to borrow AED 5 to AED 50 using USSD codes (1081#), the e& UAE app, or SMS, you can access emergency credit in seconds. By understanding the eligibility criteria, fees, and repayment process, you can use this service wisely and avoid surprises. Whether you’re in Dubai, Abu Dhabi, or elsewhere, Etisalat’s Reserve Credit keeps you connected. Have any tips or experiences with this service? Share them in the comments!

Stay connected and use your credit smartly!