Having access to emergency funds can make all the difference when unexpected expenses arise. That’s why Etisalat offers a helpful loan balance service for its prepaid customers.
Etisalat loan balance service allows prepaid customers to borrow AED 5 in credit for calls, texts, and data when their account balance hits zero.
There are a few reasons why it’s valuable to understand how to take advantage of Etisalat’s loan balance service:
- You may miss important calls or texts if you run out of credit without warning. The loan lets you keep connected.
- You don’t have to stress about your account balance. Borrow AED 5 to stay connected until you can recharge.
- There is no need to rush to the store for a top-up. You can quickly get emergency credit through the app or dial codes.
As you can see, knowing how to get an Etisalat loan can provide great convenience and peace of mind. It helps avoid the headaches that can come with suddenly running out of prepaid credit.
Next, let’s review the easy methods for using this helpful service.
Method 1: Using the Etisalat App
The Etisalat UAE app provides a quick, convenient way to access an emergency loan balance. Just follow these simple steps:
- Download and log in to the Etisalat app (available for iOS and Android)
- Tap on “Account” from the main menu
- Under Balance Information, tap on “Get Loan” next to your balance
- Confirm to activate the loan service and add AED 5 credit to your account
- Receive SMS confirmation that loan balance has been added
As you can see, getting emergency credit through the app only takes seconds. You just need to enter your phone number and tap a few buttons.
You’ll then immediately have AED 5 available for calls, texts, and data access. Just remember fees and loan payments are automatically deducted from your next recharge.
Accessing your Etisalat loan balance through the mobile app has some great benefits, including:
- Fast & easy: Get a loan in just seconds with a few taps
- Convenient: Request emergency credit anywhere, anytime
- Secure: Safely access the account and activate the loan through the app login
- User-friendly: Intuitive mobile interface
As you can see, the Etisalat app simplifies taking advantage of the loan service. It’s much faster and more convenient than calling customer support or remembering dial codes.
Download the app and save yourself the hassle next time you need emergency account credit.
Method 2: Dialing *108*1#
If you don’t have access to the Etisalat app, you can still easily take advantage of a loan balance by dialing *108*1# on your phone. Just follow these steps:
- From your Etisalat mobile, open the phone dialer
- Dial *108*1# and press call
- Receive an SMS confirming the activation of the AED 5 loan balance
It’s that easy! This universal dial code works on all Etisalat networks to provide access to emergency account credit. After dialing, you’ll have AED 5 immediately available for calls, texts, and mobile data.
Fees and loan repayment will be automatically deducted from your balance on the next recharge, just like the app method.
Charges
When taking advantage of an Etisalat loan balance by dialing *108*1#, there are many charges to keep in mind:
- One-time AED 1 fee – Fee covers the initial activation of the loan service on your account.
- AED 5 loan amount: Emergency credit and the fee will be deducted when you recharge your prepaid balance.
So, you will pay back AED 6 from your next prepaid recharge amount. AED 1 is the service activation fee, while AED 5 repays the loan credit used.
If you no longer want the loan service enabled on your account, you can dial *108*2# at any time to deactivate it. However, fees and credits already used will still be owed on the next recharge.
Understanding these charges in advance allows you to budget for the emergency loan service repayment accurately.
Method 3: Deactivating the Loan Service
If you no longer wish to have the Etisalat loan balance service enabled on your prepaid account, you can easily deactivate it by dialing *108*2#. Follow these simple steps:
- Open the phone dialer on your Etisalat mobile
- Dial *108*2# to disable loan service access
- Receive SMS confirming deactivation
Once disabled, you can no longer borrow emergency account credit through the service. However, any outstanding fees or loans owed will still be deducted from your next recharge.
You can always reactivate the loan capability in the future by dialing *108*1# if needed. But deactivating removes the temptation to use the emergency credit for everyday expenses rather than emergencies.
There are a few reasons why it’s valuable to know how to disable Etisalat’s loan service:
- Avoid overuse/debt: Temptation to borrow AED 5 can lead to owing more fees over time.
- Budget control: Remove access so balance deductions are predictable.
- Limit fees: Only pay loan service charges when genuinely needed.
Deactivating the service can be wise financial management if you frequently use loan credits or want to limit balance deductions.
It prevents casual overuse while still allowing you to enable loan access again in the future for true emergencies by dialing *108*1#.
Understanding activation and deactivation gives you full control over this useful but potentially costly Etisalat service.
