Borrow 20 cents, 50 cents, 1 USD or 2 USD. And pay back when you next top up.

And as long as your debt is only 60 cents or below, you can request a second SmartLoan even if you haven’t paid back your first!

Activation Code
Fee
  • 20 cents
  • 50 cents
  • 1 USD
  • 2 USD
  • 5 cents
  • 10 cents
  • 20 cents
  • 40 cents

Benefits

  • Borrow extra balance whenever you need
  • Simply top up to pay back
  • Variety of different SmartLoan amounts – from 20 cents to 2 USD
  • Take out a second SmartLoan even if you haven’t repaid your first

Terms & Conditions

  • To request a SmartLoan of 20 cents or 50 cents, you must be a prepaid subscriber, have been on the Smart network for at least 30 days and have an accumulated top-up spend of 5 USD over the past 6 months.
  • To request a SmartLoan of 1 USD, you must be a prepaid subscriber, have been on the Smart network for at least 30 days and have an accumulated top-up spend of 10 USD over the past 6 months.
  • To request a SmartLoan of 2 USD, you must be a prepaid subscriber, have been on the Smart network for at least 90 days and have an accumulated top-up spend of 20 USD over the past 6 months.
  • To request a SmartLoan 1+1 (20 cents or 50 cents), you must be a prepaid subscriber, have been on the Smart network for at least 90 days with accumulated top-up spend of at least 10 USD over past 6 months and have only one existing SmartLoan still open. 1 USD and 2 USD SmartLoans are not available in 1+1.
  • If you take out your SmartLoan while your number is in active status, you will get a prolonged lifecycle of 8 days starting from the date of the loan. If your number is in MOC status, the lifecycle will be cut to four days for all SmartLoan amounts.
  • SmartLoan is not available to Smart Home or Smart @Home subscribers.
  • SmartLoan is available to Smart Traveller SIM subscribers.
  • To check your SmartLoan history and to check your current SmartLoans, dial *9111# completely FREE of charge.
  • To request the biggest possible SmartLoan or SmartLoan 1+1, dial *911#.
  • Your outstanding SmartLoan amount will be deducted on a first-priority basis immediately following your next top up.
Image for SmartNas

SmartNas

Control and manage your balance, subscribe to services, top up and get more done anytime, anywhere.

GET SMARTNAS

F.A.Q.

What is SmartLoan?

When you run out of balance and want to make a call, send an SMS or use the Internet, you can request a SmartLoan. You can then repay the loan the next time you top up.

How do I get a SmartLoan?

  • To request a 20 cents SmartLoan, please dial *911*20#
  • To request a 50 cents SmartLoan, please dial *911#
  • To request a $1 SmartLoan, please dial *911*100#
  • To request a $2 SmartLoan, please dial *911*200#

Can I take out a second SmartLoan?

As long as your debt is only 60 cents or below, you can request a second loan even if you haven’t paid back your first loan. You also need to be a Smart Prepaid customer, and have been an active Smart user for the past 90 days, having topped-up more than $10 over the past 4 months.

How much will I pay back and how do I do it?

If you loan 20 cents, you will pay back 25 cents. If you loan 50 cents, you will pay back 60 cents. If you loan $1, you will pay back $1.20. If you loan $2, you will pay back $2.40. Loans are automatically repaid the next time you top up.

Top up Top up

Subscribe to our newsletter to receive the latest news to your inbox by submitting your email address: