With Smart Loan, you can request an advance credit of 50 cents and now also available in 20 cents for all network usage.
- Service Fee of 5 cents for 20 cents*
- Service Fee of 10 cents for 50 cents*
- 1 cent / time if you want to check Smart Loan history!
How to Use:
- To request Smart Loan 20 cents, dial *911*20#
- To request Smart Loan 50 cents, dial *911#
- To check Smart Loan history, send blank SMS to 
- To obtain Smart Loan, subscribers must meet all the following conditions:
- Be an active, Prepaid subscriber.
- Not a debtor.
- Be registered and activated in the network of more than 90 days and make at least 6 top ups in the past 6 months.
- Subscribers who have zero balance (barred out going call) are allowed to use Smart Loan but the loan amount is valid for only 4 days.
- This service is applicable for all Prepaid customers, excluding Traveller SIM.
* The amount will be deducted from your next top up.