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?
- To request a Smart Loan, dial *767# and press 1
- 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.
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.
|20 cents loan||5 cents|
|50 cents loan||10 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.
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.