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!

SmartLoan amount Fee Activation
20 cents 5 cents Dial *911*20#
50 cents 10 cents Dial *911*50#
1 USD 20 cents Dial *911*100#
2 USD 40 cents Dial *911*200#
To check loan history,

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

  • The entire outstanding loan amount will be deducted immediately after top up. Ex: The outstanding amount is 60 cents and the top-up amount is 1 USD. The deduction will, therefore, be 60 cents as the repaid amount.
  • Checking your SmartLoan history is FREE.
  • To make any SmartLoan request, you must be an active Smart prepaid subscriber exclude Smart @Home and Smart Home.
  • To request either a 20 cents or 50 cents SmartLoan, you must be on Smart network at least 30 days and make accumulated top up 5 USD in past 6 months.
  • To request a 1 USD SmartLoan, you must have topped up a minimum of 2 USD at least 6 times over the past 6 months.
  • To request a 2 USD SmartLoan, you must have topped up a minimum of 4 USD at least 6 times over the past 6 months.
  • Customers who have zero balance (barred outgoing calls) are allowed to use the SmartLoan service, but the SmartLoan amount is only valid for 4 days.
  • SmartLoan is available to all Smart prepaid customers, apart from Smart Traveller SIM.
  • To take out a second SmartLoan, your debt must be 60 cents or below. 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 USD over the past 4 months.
  • SmartLoan 1+1: You are eligible for a 2nd loan of 50 cents only if you still have an outstanding loan.
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SmartNas

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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.

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