Smart Loan

Need credit? Smart Loan is the solution!

I cannot call! It’s an emergency and I don’t have enough credit to reach my friend! don’t have to worry: Smart has the solution. I can have an advance credit: 20 cents or 50 cents and pay back with my next top up. Easy! And it works for all networks.

How do I activate this service?

  • To activate, dial *767#
  • To check Smart Loan history, send blank SMS to 9111

How to pay back? The amount will be deducted from my next top up.


  • Service Fee of 5 cents for 20 cents
  • Service Fee of 10 cents for 50 cents
  • 1 c/time if you want to check Smart Loan history!

For example: I will pay back on my next top up 60 cents if I have a 50 cents loan and 25 cents if I have a 20 cents loan.

Want to loan credit from a friend?

Related FAQS

What is Smart Loan?

When you run out of credit and want to make a call or SMS or use internet, you can request Smart Loan (50 cents or 20 cents) for all network usage. 

How can I get Smart Loan?

To request for Smart Loan 50 cents, please dial *911# press send
To request for Smart Loan 20 cents, please dial *911*20# press send

How much will I pay back?

You will pay back via main balance by the time you top up. Loan 50 cents will pay back 60 cents and Loan 20 cents will pay back 25 cents.

Terms & Conditions

  • To obtain Smart Loan, customers must meet all the following conditions:
    • Be an active, prepaid customer.
    • Not a debtor.
    • Be registered and activated in the network for more than 90 days and have made at least 6 top ups in the past 6 months.
    • Customers who have zero balance (barred out going calls) 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.

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