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 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 
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.
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.