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! No need 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. It’s easy.

How do I activate this service?

  1. To request a Smart Loan, dial *767# and press 1
  2. To check Smart Loan history, send blank SMS to [9111]

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


Haven’t paid back but want to make another Smart Loan? I can take a second loan even if I haven’t paid back the first one yet. As long as I only have debt at 60 cents or below, I can request a second loan.


Description Service Fee
20 cents loan 5 cents
50 cents loan 10 cents
1 USD loan 20 cents
2 USD loan 40 cents
Smart Loan history check 1 cent

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 a 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.

All Smart Loan FAQs »

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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