How to Take Loan in Etisalat: Easy Step-by-Step Guide for UAE Users
-
Omar Haddad
- . January 5, 2026
- . Update: January 6, 2026 3:14 am
In case you are low in your balance or you want to purchase some new gadget, it would be of great help to know how to take loan in Etisalat. Etisalat currently branded e& provides several alternatives to users who require short-term mobile credit or a flexible device and bill payment package. Etisalat offers convenience to various users in terms of small prepaid credit loans and installments plans with partner banks. The following guide will detail the process of taking loan in Etisalat in a very easy and straightforward manner including the eligibility, process, payment and substitutes so that you could decide on the best option.
How to Take Loan in Etisalat for Small Mobile Credit (Prepaid Users)
The Reserve credit service of Etisalat is one of the simplest ways to know how to take loan in Etisalat. This is an option that is targeted at prepaid users who suddenly run out of balance.
You have to be an Etisalat prepaid customer at least three months and have at minimum AED 10 usage per month. After qualifying, dial 1081# and press call button. Once successfully activated, it is possible to get up to AED 50 as a mobile credit loan.
This borrowed credit can be applied in either calls, SMS or in the selected data plans like the Non-stop Silver plan. The automatic method of repayment, because the loan amount will be subtracted in your next recharge and hence this will be the fastest and the easiest option.
How to Take Loan in Etisalat for Device Purchases and Bigger Needs
In case you want something bigger than mobile credit, it is important to know how to do loan in Etisalat regarding big expenses. Etisalat offers financing options of the device according to your salary details and credit score which can be obtained on the MOHRE records.
Purchasers can acquire smartphones and devices at flexible payments, such as little upfront payments. Moreover, Etisalat collaborates with other banks such as First Abu Dhabi Bank (FAB) where they provide the 0% installment financing plans on purchases of over AED 1000. Such schemes enable you to pay monthly without being under financial strain.
How to Take Loan in Etisalat via Credit Transfer from Friends
The other viable method of learning how to take loan in Etisalat is by credit transfer. This approach enables you to ask friends or relatives to balance you out.
To apply to credit, dial 107PhoneNumberAmount# and apply to credit. Provided the other individual consents, he can transfer the amount by dialing 100YourNumberAmount#. The latter is the option that you can use in an emergency case when you are not able to recharge at the moment.
Things to Remember Before Taking a Loan
During the process of learning how to take loan in Etisalat, it is necessary to pay attention to the eligibility and repayment conditions. Small credit loans are automatically deducted and device loans are billed on a monthly basis. The sensible use can make one be eligible to further offers.
