Out of airtime?Borrow it.
Airtime and data when your line runs dry — on credit, paid back later. Eligible accounts are credited in under 60 seconds.
No card · No paperwork · MTN · Glo · Airtel · 9mobile
Four steps.
Most of them take seconds.
Sign up
Name, phone number, a six-digit PIN. One SMS code to prove the line is yours.
We check
An instant eligibility check against your number. No paperwork, no documents to upload.
Borrow
Pick an amount. You see the repayment and the due date before you confirm anything.
Receive
Airtime or data lands on your line. Most people are done inside a minute.
Borrow airtime mid-call.
The call that cuts out at the worst moment. Borrow, and it is back on your line before the other person has redialled.
- Repayment and due date shown before you confirm
- Sent to your own line, or any line you choose
- Repay early whenever you like, at no extra cost
Borrow data before the upload dies.
Same idea, measured in gigabytes. Pick a plan, use it now, settle up on payday.
- Daily, weekly and monthly plans on every network
- Lands as a normal data plan — nothing to activate
- One outstanding loan at a time, so it stays simple
Three wallets.
Each one answers a different question.
Money you have put in. Top it up, spend it on airtime and data, withdraw what you do not use.
What you owe and when it is due. One button to clear it, and the figure never moves after you borrow.
Cashback earned by repaying on time. Move it across to your main wallet whenever you want it.
Built to be boring
about your money.
Lending is a promise on both sides. Here is ours.
No hidden charges
The repayment figure you accept is the repayment figure you pay. There is no late fee that grows while you are not looking.
Your PIN, not your bank
A six-digit PIN and an SMS code to your line. Borrowing airtime does not need your BVN or your card.
You see it before you owe it
Amount, repayment and due date on one screen, before you confirm. Nothing is deducted until you tap.
The things people ask first.
How fast is it really?
For an eligible account, from tapping Borrow to airtime landing is usually under 60 seconds. The first time takes a little longer because of the SMS code on sign-up.
What does it cost to borrow?
You see the exact repayment amount and due date before you confirm. Borrow NGN 1,000, repay NGN 1,200 in 7 days — the figure never changes after you accept it.
What if I pay back late?
Your account pauses until the balance clears, so you cannot borrow again. We will remind you before the due date, not after.
How much can I borrow?
New accounts start small — usually NGN 500. Repay on time and the limit rises. Everyone starts at the bottom, including us.
Which networks work?
MTN, Glo, Airtel and 9mobile, for both airtime and data.
What is the bonus wallet?
Cashback builds up as you repay on time. When there is enough in it, you move it to your main wallet and spend it like anything else.
Do you need my BVN or bank details?
Not to borrow airtime. Your phone number is the account.
Your line runs dry tonight. Be ready.
Sign up in a minute. Borrow when you need it, not before.