Running out of airtime or data at a critical moment can be frustrating. Thankfully, Glo offers services that let you borrow airtime or data and repay later. In this article, you’ll learn how to borrow airtime on Glo, how to borrow data on Glo, and what you need to know before using these services.
What is “Borrow Me” on Glo
Glo’s “Borrow Me” service lets eligible prepaid subscribers get airtime or data bundles on credit when they run out. They usually deduct the borrowed amount from the subscriber’s next recharge.
Also read: Full List of Glo USSD Code for Transfer, Airtime, OTP & More
You can borrow two types of credit from Glo:
- Borrow Airtime — to make calls, send SMS, or buy data.
- Borrow Data — to get data bundles directly if you cannot recharge immediately.
Who Can Borrow Airtime or Data on Glo
Before you try to borrow airtime or data from Glo, make sure you meet these basic eligibility conditions:
- Your Glo prepaid line must be active and registered.
- You must have used the line regularly, typically for at least three (3) months.
- You should recharge your line on a regular basis or at least maintain a monthly 200 Naira airtime threshold as defined by Glo.
- Also, you must not have any unpaid borrowed airtime or data from previous borrowing.
If you meet these criteria, you should be able to borrow airtime or data when needed.
Also read: How to Borrow Airtime & Data on MTN
How to Borrow Airtime on Glo
Here is how to borrow airtime on Glo, step by step:
- Dial the USSD code
*303#on your Glo line. - From the menu, choose the option for “Borrow Airtime” (or “Borrow Credit”).
- Select the amount you want to borrow (the available amounts vary depending on your eligibility). Common borrowed amounts may include ₦50, ₦100, ₦200, ₦500, ₦1000.
- Confirm your request. The borrowed credit will be credited to your line.
What happened to the older USSD code: *321#? This code was used in the past for borrowing airtime (Borrow Credit) on Glo. However, it has now been replaced by the new code, *303#.
Note on Service Fees: Glo applies a service fee on borrowed airtime. For example, for some loans the service fee might be 10%; for others, up to 15%.
Repayment: The borrowed airtime (plus service fee) will be automatically deducted from your next recharge.
Also read: Full List of Airtel USSD Codes | Transfer, OTP, Airtime & More
How to Borrow Data on Glo
If you run out of data but still need to browse, you can use the “Borrow Me Data” service from Glo. Here’s how:
- Dial
*303#on your Glo line. - Choose the “Borrow Data” option from the menu.
- Select one of the available data bundles offered (the exact options may vary based on your usage history).
- Confirm your choice. You’ll receive a confirmation SMS. The borrowed data will be credited to your account and will remain valid for a period similar to regular data plans.
Service Fees & Repayment: Glo applies a service charge on borrowed data. When you recharge next, the borrowed amount plus the service fee is deducted automatically.
Why Borrowing Airtime or Data on Glo Can Be Useful
- It helps you stay connected when you have no cash to recharge immediately, which is useful for emergency calls, urgent data needs, or staying online for important tasks.
- It gives you a short-term “loan” that you repay on your next recharge, a convenient and automatic option.
- Quite interestingly, it works on all phones, whether simple phones (phones with basic features) or more modern ones, because borrowing uses USSD codes, not an app.
Also read: Newest USSD Codes for Network Providers in Nigeria
What to Watch Out For When Borrowing from Glo
- If you already have an unpaid borrowed balance (airtime or data), you likely cannot borrow again, unless you are still within your credit limit.
- Borrow only what you need and can repay soon to avoid potential issues or a blocked borrowing service.
- Understand the service fee.
- Borrowing eligibility depends on your recharge history and duration of subscription. New users or very infrequent rechargers may not qualify.
Also read: MTN Unlimited Data Plan in 2025: How to Activate It
Frequently Asked Questions (FAQ)
How much can I borrow when I borrow airtime on Glo?
When you borrow airtime on Glo, the amount you can access depends on your usage and recharge history. Common denominations include ₦50, ₦100, ₦200, ₦500, ₦1,000, and ₦2,000.
The exact borrowing limit may vary: the more consistently you recharge and use your line, the higher your possible loan.
How much data can I borrow when I borrow data on Glo?
Available data-loan offers vary based on your usage history and eligibility. Data bundles you may borrow include smaller amounts like 50 MB or 100 MB, and larger bundles such as 200 MB, 500 MB, or 1 GB (or other sizes depending on your history) when you use the USSD method.
Because eligibility affects data-loan size, Glo may show different bundle options to different users.
Can I borrow if I still owe on a previous loan?
Not if you have exceeded your credit limit.
How is the borrowed amount repaid?
Repayment is automatic. When you next recharge your Glo line, the borrowed amount is deducted before your new airtime or data becomes available.
Conclusion
Borrowing airtime or data on Glo can be a helpful tool when you find yourself low on credit or data unexpectedly. With borrow airtime on Glo and borrow data on Glo, you have a short-term lifeline that lets you stay connected, with repayment automatically handled on your next recharge.
Just be sure to check your eligibility and borrow responsibly.
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