Smart FriendLoan

What if my friends could send me credit?

Yes, it’s possible and it’s as easy as Dialling 6565! Need credit in a hurry? Smart FriendLoan is the solution.

How do I activate this service?

To activate, dial *767#


How does it work?

For example If i need 20 cents, the giver (my friend) will actually be charged 23 cents and I will be credited 18 cents.

How to pay back?

The amount will be deducted from my next top up.
If I have more than one FriendLoan, the process will be done on a “First in, First out” basis.


  • Service Fee is 5 cents

Want to borrow directly from Smart?
Go to

Terms & Conditions

  • To be able to receive the loan, the Giver needs to have:
    • A minimum of 23 cents on their main balance to give 18 cents to their friends
    • A minimum of 55 cents on their main balance to give 45 cents to their friends
    • A minimum of 1.10 USD on their main balance to give 90 cents to their friends
  • As a user of the Smart FriendLoan, I will receive the same standard benefits (bonuses, validity, lifecycle) as regular top up users, after my request has been accepted and the system has successfully added the loan to my balance.
  • I may request numerous loans from the same or different friends as many times as I want as long as the friend accept the request. Likewise, a giver can accept many requests from the same or different friends as long as he/she has enough on his/her balance.
  • If a loan request has not been accepted after 90 days, loan collection will stop automatically.
  • I can request both a Smart Loan and a Smart FriendLoan at the same time if I meet the conditions for each service.
  • This service is applicable for all Prepaid customers, excluding Traveller SIM.

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