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Latest on How to Borrow Airtime on Glo

By Oluchukwu Ikemefuna

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Unlocking the ability to stay connected at all times is paramount in today’s dynamic world, and knowing how to borrow airtime on Glo is a crucial skill for subscribers seeking uninterrupted communication.

As one of Nigeria’s leading telecommunications providers, Glo offers its customers the convenience of borrowing airtime credit when their balances run low, ensuring that they can stay in touch with loved ones, access essential services, and navigate emergencies with ease.

In this article, we’ll be reviewing the latest methods and steps for Glo subscribers to borrow airtime seamlessly on their Glo line.

The ‘Glo Borrow Me Credit’ Services.

In an era where communication is fundamental to daily life, having reliable access to airtime credit is indispensable. Recognizing this need, Glo, a leading telecommunications provider in Nigeria, introduced an innovative service known as “Borrow Me Credit.” 

This service is designed to offer subscribers a lifeline when their airtime balance is running low, ensuring uninterrupted connectivity at all times.

Glo Borrow Me Credit is more than just a convenient feature; it’s a testament to the company’s commitment to enhancing the customer experience.

Whether it’s staying connected with family and friends, conducting business transactions, or accessing essential services, Glo understands the importance of seamless communication.

With Borrow Me Credit, Glo subscribers can overcome temporary financial constraints without sacrificing their ability to communicate. 

Whether faced with an unexpected emergency or simply in need of a quick top-up, Borrow Me Credit provides a reliable solution that empowers users to stay connected whenever and wherever they are.

This service embodies Glo’s dedication to customer-centric innovation, offering a safety net that ensures subscribers are never left stranded without airtime.

By providing easy access to credit when needed most, Glo strengthens its position as a trusted partner in facilitating communication for millions of Nigerians.

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How Does Borrow Me Credit Work on Glo?

The following list shows how the Glo borrow me credit works:

1. The Borrowing Process

When a Glo subscriber finds themselves in need of airtime credit but their account balance is insufficient, they can easily borrow credit through the Borrow Me Credit service.

This service allows users to borrow a predetermined amount of airtime, which is instantly credited to their account, ensuring uninterrupted communication.

2. Borrowing Limits

Glo sets borrowing limits based on various factors, including the subscriber’s usage history, repayment behavior, and tenure with the network.

These limits determine the maximum amount of airtime credit that a subscriber can borrow at any given time. Typically, the borrowing limit increases as the subscriber demonstrates responsible repayment behavior over time.

3. The Service Fee

When a subscriber borrows airtime credit, Glo imposes a small service fee on the borrowed amount. This fee is deducted from the borrowed credit before it is credited to the subscriber’s account.

The service fee may vary depending on the amount of airtime borrowed and is transparently communicated to the subscriber during the borrowing process.

4. Repayment Process

The repayment of borrowed airtime on Glo is seamless and automatic. When the subscriber recharges their Glo account, the borrowed amount, along with the applicable service fee, is deducted from the recharge amount before the main account balance is credited.

This ensures that the borrowed credit is repaid promptly without the need for manual intervention from the subscriber.

5. The Repayment Priority

It’s important to note that the repayment of borrowed airtime takes priority over other account activities, such as data usage or making calls.

This means that when a subscriber recharges their Glo account, the borrowed amount and service fee are deducted first before any other deductions or charges are applied to the account.

This ensures that the borrowed credit is repaid in a timely manner, maintaining the subscriber’s eligibility for future borrowings.

Also, after successfully borrowing airtime credit on Glo, subscribers receive notifications confirming the transaction and detailing the borrowed amount, service fee, and repayment terms.

These notifications serve as a record of the borrowing transaction and help subscribers keep track of their borrowing activity.

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Eligibility for Borrow Me Credit

To be eligible for the Glo Borrow Me Credit service, subscribers must meet certain criteria, including:

  • Active Glo SIM: 

Subscribers must have an active Glo SIM card registered in their name.

  • Regular Usage: 

Users must have a history of regular usage and recharge on their Glo line.

  • Repayment History: 

Previous borrowings must have been repaid promptly to maintain eligibility for future borrowings.

  • Account Balance: 

The subscriber’s account balance must fall below a certain threshold to qualify for borrowing airtime.

Subscribers who meet these criteria are eligible to borrow airtime credit whenever the need arises.

Read also: GTBank USSD Code for Airtime and Data

How to borrow airtime from Glo

Glo offers multiple methods for subscribers to borrow airtime credit, ensuring flexibility and convenience. Here are the latest methods to borrow airtime on Glo:

  • USSD Code

You can borrow airtime from Glo by using their USSD code. Simply dial *321# on your Glo line. Follow the on-screen prompts to select the “Borrow Me Credit” option.

Choose the desired amount of airtime credit to borrow and confirm the transaction to borrow airtime instantly.

  • SMS:

You can borrow airtime on Glo by sending  “Borrow” to 321 on your Glo line.

You will receive a confirmation message with instructions to borrow airtime. Just follow the instructions provided to complete the borrowing process.

  • Glo Café App:

This is one of the ways to borrow airtime from Glo.  Simply download and install the Glo Café mobile app from your device’s app store.

Log in to your account or register if you’re a new user. Navigate to the “Borrow Me Credit” section within the app. Follow the on-screen instructions to borrow airtime seamlessly.

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Benefits of Borrow Me Credit on Glo Line

Glo Borrow Me Credit service offers several benefits to subscribers, including:

  • Emergency Communication:

Borrow Me Credit ensures that subscribers can stay connected even when their account balance is low, making it ideal for emergencies or urgent communication needs.

  • Convenience: 

The availability of multiple borrowing methods, including USSD, SMS, and mobile app, provides subscribers with flexibility and convenience in accessing airtime credit.

  • No Hidden Charges: 

Glo transparently deducts the borrowed amount and service fee from the subscriber’s subsequent recharge, eliminating any hidden charges or fees associated with the borrowing process.

  • Maintains Connectivity: 

By enabling subscribers to borrow airtime credit, Glo helps maintain connectivity for its users, ensuring uninterrupted communication regardless of their financial situation.

  • Flexible Repayment Options:

Glo’s automatic repayment process deducts the borrowed amount and service fee from the subscriber’s subsequent recharge, eliminating the need for manual repayment and ensuring hassle-free repayment.

Subscribers can repay the borrowed credit at their convenience without worrying about additional steps or procedures.

  • Transparent Pricing:

Glo transparently communicates the service fee associated with borrowing airtime, ensuring that subscribers are aware of any charges before completing the borrowing transaction.

This transparency helps subscribers make informed decisions and understand the cost implications of borrowing airtime.

  • Accessibility:

The Borrow Me Credit service is accessible to eligible Glo subscribers, providing equal opportunities for all users to access airtime credit when needed.

Whether it’s a small amount for a quick call or a larger sum for extended communication, subscribers can borrow airtime according to their requirements and preferences.

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Security Measures taken by Glo To ensure seamless services 

Glo implements various security measures to ensure seamless services and protect its subscribers’ data and communication. Some of the key security measures include:


Glo encrypts communication channels and data transmissions to safeguard sensitive information exchanged between subscribers and its network.

This encryption ensures that data remains secure and inaccessible to unauthorised parties, reducing the risk of interception or tampering.

2. Firewalls and Intrusion Detection Systems (IDS):

The network providers employ firewalls and IDS to monitor network traffic, detect suspicious activities, and prevent unauthorised access to its systems and infrastructure.

These security mechanisms help identify and mitigate potential security threats in real-time, enhancing the overall security posture of the network.

3. Authentication Mechanisms:

Glo implements robust authentication mechanisms to verify the identity of subscribers accessing its services, such as SIM card authentication, biometric authentication (where available), and secure login procedures for online accounts and applications.

By requiring valid credentials for access, Glo ensures that only authorised users can utilise its services.

4. Network Monitoring and Surveillance:

It continuously monitors its network infrastructure and systems for anomalies, security breaches, and malicious activities.

Through proactive network surveillance and security audits, Glo identifies and addresses potential security vulnerabilities before they can be exploited, enhancing the resilience of its services against cyber threats.

5. Data Privacy Compliance:

Glo adheres to relevant data privacy regulations and standards to protect subscribers’ personal information and privacy rights.

By implementing robust data protection measures, including data encryption, access controls, and privacy policies, Glo ensures that subscriber data is handled securely and in compliance with applicable laws and regulations.

6. Regular Security Audits and Penetration Testing:

They conduct regular security audits and penetration testing to assess the effectiveness of its security measures and identify any vulnerabilities or weaknesses that may exist within its systems

7. Employee Training and Awareness:

It provides comprehensive training and awareness programs for its employees to educate them about cybersecurity best practices, threat detection, and incident response protocols.

8. Collaboration with Law Enforcement Agencies:

In the event of security incidents or cyberattacks, Glo collaborates with law enforcement agencies and regulatory authorities to investigate and mitigate threats effectively. 

Glo’s robust security measures, encompassing encryption, firewalls, authentication mechanisms, network monitoring, compliance initiatives, regular audits, employee training, and collaboration with law enforcement, are designed to ensure seamless services while safeguarding subscribers’ data and privacy.

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The Glo Customer Support Service

Glo provides dedicated customer support channels, including helplines, online chat support, and self-service options, to assist subscribers with any questions or issues related to the Borrow Me Credit service.

Whether it is to clarify borrowing terms, checking eligibility, or resolve repayment concerns, Glo’s customer support team is available to provide assistance and guidance.


How does Glo Borrow Me Credit service work?

Glo Borrow Me Credit service allows subscribers to borrow airtime credit upfront and repay it later when they recharge their accounts. 

Who is eligible to borrow airtime on Glo Line?

To be eligible for Glo Borrow Me Credit service, subscribers must have an active Glo SIM card registered in their name, a history of regular usage and recharge, a good repayment history for previous borrowings, and an account balance below a certain threshold.

How to borrow airtime on Glo?

Glo offers multiple methods for subscribers to borrow airtime credit, including USSD code (*321#), SMS (send “Borrow” to 321), and through the Glo Café mobile app.

Is there a limit to how much airtime I can borrow on the Glo line?

Yes, the amount of airtime a subscriber can borrow on Glo depends on various factors such as their usage history, repayment behaviour, and the specific borrowing limits set by Glo.

How do I repay the borrowed airtime on Glo?

The repayment process is automatic and occurs when you recharge your Glo account. The borrowed amount, along with the service fee, is deducted from your recharge amount before your main account balance is credited.

Can I borrow airtime on Glo if I have an outstanding loan?

No, subscribers with outstanding loan balances are generally not eligible to borrow additional airtime until the outstanding loan is repaid in full.

What happens if I fail to repay the borrowed airtime on Glo?

If a subscriber fails to repay the borrowed airtime on Glo, they may become ineligible for future borrowings, and additional penalties or restrictions may apply to their account.


Staying connected is essential in today’s digital age, and Glo Borrow Me Credit service offers a convenient solution for subscribers to access airtime credit when needed. 

By following these latest methods outlined in this guide, Glo users can borrow airtime seamlessly and repay it hassle-free, ensuring uninterrupted communication whenever they need it most. 



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Blessing Ukibe
Blessing Ukibe

Medical Student at Nnamdi Azikiwe University|Tech content expert at Silicon Africa Technology|Lover of fun books and fun fun ☺️

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