How to Take Loan In Ufone

Ufone, one of the prominent telecommunication companies, has always come forward with customer-centric solutions, be it in call packages, internet bundles, or emergency services. One of its renowned features is the facility to avail a loan.

If you are a Ufone user and find yourself in a pinch, needing some extra airtime, this guide on “how to take loan in Ufone” is just for you.

How to Take Loan In Ufone

Why Might You Need a Ufone Loan?

Before we dive into the steps, it’s good to understand why such a service exists.

  1. Unexpected Emergencies: There could be times when you urgently need to make a call, but alas, you’re out of credit.
  2. In-between Recharges: If you’re waiting for your next paycheck or are simply in a location where recharging is inconvenient, a Ufone loan can be a lifesaver.
  3. Short-term Requirement: Maybe you just need a small top-up until your next recharge. A Ufone loan caters to such short-term needs.

Criteria for Ufone Loan Eligibility

Before you apply, ensure you meet Ufone’s set criteria:

  • Account Age: Your Ufone number should be active and in use for a certain duration, typically a minimum of a few months.
  • Previous Loans: You should have paid off any previous Ufone loans. The service does not allow stacking of multiple loans.

Steps on How to Take Loan in Ufone

Now, for the main event! Here’s a step-by-step guide:

  1. Dial the Code: From your Ufone number, dial the designated USSD code (This code might change based on Ufone’s policies, so always refer to Ufone’s official site or customer service for the current code).
  2. Follow the Prompts: Upon dialing, you will receive prompts. Usually, it’s a matter of pressing ‘1’ to confirm.
  3. Receive Confirmation: Once the process is successful, you’ll receive a confirmation message, and the loan amount will be credited to your account.
  4. Repaying the Loan: The loaned amount will be deducted from your next recharge, along with a small service fee.

Things to Remember

  • Service Fee: Ufone charges a minor fee for this service, so the deduction during your next recharge will be slightly more than the loaned amount.
  • No Interest: It’s a short-term loan, so Ufone doesn’t charge any interest. You only pay what you borrow plus the service fee.
  • Limitations: There’s a limit to how much you can borrow. Always refer to Ufone’s guidelines to know the maximum loan amount.

Alternative Methods

If for some reason the USSD method doesn’t work, remember:

  • Ufone App: Ufone’s official app usually has a section dedicated to services, including loans. The interface is user-friendly and guides you through the process.
  • Customer Service: In case of confusion or any issue, Ufone’s customer service is always there to assist. Dial their helpline for guidance.


Ufone’s loan service is a testament to their commitment to serving customers’ immediate needs. While it’s always best to keep your phone recharged and ready, it’s reassuring to know that in a pinch, Ufone has got your back. Remember to use the service responsibly and only when necessary. Happy calling!

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