To find out if any emergency credit is available on their Etisalat number, eligible prepaid customers have to dial the Etisalat loan code (*108#). If you need credit urgently and you have depleted your Etisalat balance, you can try dialling *108# and following the menu – codes do change, so check the e& UAE app first.
In this guide, you will get things covered regarding how you should use the Etisalat loan code, checking whether you are eligible or not, and what charges you might incur while getting the loan.
Get an Etisalat Loan Using Dial Code (*108#)
It’s usually the quickest option, and it works without mobile data.
Step-by-Step Guide
- Open your phone’s dialer
- Dial *108#
- Wait for the menu to appear
- Select the loan eligibility check option
- This will indicate the number of credits you can acquire in the form of a loan at Etisalat.
- Confirm your request
- Receive your emergency balance via SMS
In my experience, this process normally requires less than 30 seconds to complete.
Get an Etisalat Loan via SMS
And this is another fantastic option in case the USSD codes fail to work on your phone.
How It Works
- Open your Messages app
- Type: LOAN
- Send it to 1080
- Wait for a confirmation message
- Get the received balance as a loan immediately.
This technique comes in handy, particularly during use in older phones or in low network signal areas.
Eligibility Rules for Etisalat Loan Service
Not all the SIMs are instantaneous. According to my research and the comments of users, this is what often matters:
You Are Likely Eligible If
- Your SIM is at least 3 months old
- You use your number regularly for calls and data.
- You recharge your balance consistently
- You have not been blocked or suspended.
Somehow not eligible, Etisalat usually writes a message elaborating on the cause.
Read Also: Etisalat Quick Pay UAE: No Login Recharge Guide (2026)
Charges and Repayment Policy
This is one aspect that most blogs do not cover. On the other hand, never ignore this part since transparency creates trust.
What You Should Know
- A minimal service charge is charged on your loan.
- This is automatically deducted as a whole.
- Deduction is done during your subsequent recharge.
Example
Any fee will appear in your confirmation SMS, so read it before you accept the credit.
How Much Loan Can You Get from Etisalat?
The amount depends on:
- Your recharge history
- SIM usage
- Account activity
Typical Loan Amounts
- Amounts vary by account – your menu shows the exact offer
- Check the eligible amount in the menu or app
Common Problems and How to Fix Them
If the loan menu won’t give you anything, there’s a free backup: e& prepaid users can ask a friend or relative for credit by dialling *107*05XXXXXXXX*Amount#. They get an SMS and can send balance with *100*number*amount#. Requests are free (up to two a day), while the sender pays a 5.25% transfer fee including VAT.
*108# Code Not Working
Solution:
- Restart your phone
- Check the network signal
- Try the SMS or app method
SMS Not Sending to 1080
Solution:
- Make sure you have network coverage
- Check the message center number
- Try dialing the code instead
Not Eligible Message
Solution:
- Recharge your SIM regularly
- Use your number for calls and data
- Wait a few days and try again
Loan Not Received but Charged
Solution:
- Get in touch with Etisalat customer care.
- Check the transaction history with the help of the app.
Can You Get Etisalat Data Loan?
Etisalat provides emergency internet data in other areas rather than a balance.
How to Check
- Dial *108#
- Open the Etisalat App
- Look for Data Loan or Emergency Internet
It comes in handy when you require WhatsApp or maps, but you have zero data balance.
Frequently Asked Questions (FAQs)
How can I find out what the Etisalat loan code is for prepaid users?
The primary code is *108# or SMS can be used by sending a message to 1080 with the word LOAN.
Will I be able to obtain a loan with a Zero balance?
Usually, yes – if your number is eligible, a zero balance shouldn’t stop you asking.
How many times can I borrow in a month?
The user is usually allowed to borrow once at a time, and the service might restrict subsequent borrowing until the former loan is paid.
Are the Etisalat loan fees free?
Fees aren’t published officially, so check the charge in your confirmation message. See your message of loan confirmation.
Can I use the Etisalat app for loan requests?
Yes, the Etisalat UAE app enables an instant, digital request to take out loans.
Read Also: Student NOL Card Dubai Guide 2026: Apply & Save
More e& prepaid help: Etisalat balance check codes, Etisalat Quick Pay, and e& international call packs.
Final Thoughts
In case this guide enables you to obtain an emergency balance at any moment, make a copy or bookmark of this page. Etisalat revises its services periodically, and I maintain this guide up to date with the most recent workable codes of loan and the procedures.
