How to Get Etisalat Loan in Dubai, UAE: A Simple Guide

Hello Readers, Running out of mobile credit at the wrong time can be a real hassle, especially when you’re in the middle of an important call or need to use data. If you’re an Etisalat prepaid user in Dubai, UAE, the Etisalat Reserve Credit service (also called the Etisalat Loan) is a lifesaver. This service lets you borrow up to AED 50 when your balance is low, ensuring you stay connected.

In this guide, I’ll walk you through everything you need to know about how to get an Etisalat loan in Dubai, including eligibility, subscription methods, repayment, and tips to use it wisely. I’ve also included a handy table summarizing the key details. Let’s dive in!

What Is the Etisalat Loan Service?

The Etisalat Reserve Credit service is a feature designed for prepaid users who run out of balance. It allows you to borrow credit ranging from AED 5 to AED 50, which you can use for calls, SMS, or even purchasing a Non-stop Silver data plan. The borrowed amount is automatically deducted from your next recharge, along with a small service fee. This service is perfect for emergencies, whether you’re traveling, working, or just need to stay connected in Dubai.

Etisalat, now operating as e& in the UAE, makes it easy to access this loan through USSD codes, the My Etisalat UAE app, or SMS. The service is available only to eligible prepaid users, and there are a few conditions you need to meet, which I’ll explain below.

Why Use the Etisalat Loan Service?

Here’s why the Etisalat loan service is a great option:

• Instant Credit: Get up to AED 50 credited to your account in seconds when your balance is AED 1 or less.

• Flexible Usage: Use the credit for local or international calls, SMS, or data plans.

• Hassle-Free Repayment: The loan amount and service fee are automatically deducted from your next recharge.

• No Long-Term Commitment: It’s a one-time loan you can use whenever you’re eligible, with no recurring obligations.

This service is especially useful in Dubai, where staying connected is essential for work, social life, or navigating the city.

Eligibility Criteria for the Etisalat Loan

To qualify for the Etisalat Reserve Credit service, you need to meet the following requirements:

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

• Active Account: Your SIM must be active for at least 2–3 months.

• Minimum Usage: You should 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 request a loan.

To check your eligibility, dial *108# and reply with “4” to get a prompt response. You’ll receive an SMS confirming whether you qualify and the loan amount available to you (typically AED 5 to AED 50, depending on your usage history).

How to Get an Etisalat Loan in Dubai

There are three main ways to get an Etisalat loan: USSD codes, the My Etisalat UAE app, or SMS. Below, I’ve outlined each method in detail to make it easy for you.

1. Using USSD Codes

The quickest way to borrow credit is by dialing a USSD code. Here’s how:

• Open your phone’s dialer.

• Dial 1081# and press the call button.

• Follow the on-screen prompts to confirm your subscription 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 or up to AED 50).

To deactivate the service, dial 1082#. This is ideal if you don’t want the loan to auto-renew.

2. Using the My Etisalat UAE App

The My Etisalat UAE app is a convenient option for tech-savvy users. Here’s how to get a loan through the app:

1. Download the “My Etisalat 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.

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

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

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

6. The loan amount will be credited instantly, and you’ll receive an SMS confirmation.

The app also lets you check your balance, monitor usage, and manage other services.

3. Using SMS

You can also request a loan via SMS:

• Open your messaging app.

• Send the word “LOAN” to 1080.

• You’ll receive a response with instructions to confirm the loan.

• Follow the prompts, and the credit will be added to your account instantly.

Note that SMS-based requests may incur a small fee (e.g., AED 0.30), so check with Etisalat for the latest charges.

Service Charges and Repayment

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

• Loan Amounts: AED 5, AED 10, AED 30, or AED 50 (depending on eligibility).

• 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 on your next recharge.

• Repayment: The loan and fee are automatically deducted when you recharge your account. Ensure your recharge amount covers both the loan and the fee to avoid partial deductions.

For instance, if you borrow AED 50, you’ll repay AED 60 (AED 50 loan + AED 10 fee) on your next recharge.

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Summary of Etisalat Loan Details

Here’s a table summarizing the key details of the Etisalat Reserve Credit service:

Note: Policies and fees may change, so confirm details by visiting www.etisalat.ae or calling 101.

Tips for Using the Etisalat Loan Wisely

To make the most of the Etisalat loan service, keep these tips in mind:

• Use in Emergencies: Reserve the loan for urgent situations, as the service fee adds to the cost.

• Check Balance Regularly: Dial *121# to monitor your balance and avoid relying on loans frequently.

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

• Explore Alternatives: If you’re ineligible for a loan, ask a friend to transfer credit by dialing 107friend’s_number*amount# (free service).

• Stay Informed: Dial *108# to check for updates on loan policies or new offers.

Troubleshooting Common Issues

If you run into problems while trying to get a loan, here are some fixes:

• Not Eligible: Ensure your SIM is active for 2–3 months and you’ve used at least AED 10 monthly. Clear any outstanding loans by recharging.

• USSD Code Not Working: Restart your phone or try a different code (*505# may work in some cases).

• App Issues: Update the My Etisalat UAE app or reinstall it if you face login or activation problems.

• No SMS Confirmation: Check your network coverage and try again. If the issue persists, call 101 for assistance.

Why Choose Etisalat in Dubai?

Etisalat (e&) is one of the UAE’s leading telecom providers, offering reliable 4G and 5G networks across Dubai and beyond. With millions of users, Etisalat’s innovative services, like the Reserve Credit loan, ensure you stay connected even in emergencies. The company’s user-friendly tools, such as the My Etisalat UAE app and USSD codes, make managing your account a breeze.

Final Thoughts

The Etisalat loan service in Dubai, UAE, is a convenient way to stay connected when your balance runs low. With options to borrow up to AED 50 using simple USSD codes, the My Etisalat UAE app, or SMS, it’s easy to access emergency credit for calls, texts, or data. By understanding the eligibility criteria, fees, and repayment process, you can use this service wisely and avoid surprises. If you have any tips or experiences with the Etisalat loan service, feel free to share them in the comments!

Stay connected and use your credit smartly!