SmartLoan

Do you need to make a call but don't have the balance? Get a SmartLoan!

If you need to send an SMS or make a call but you’ve got insufficient balance, get a SmartLoan to see you through! You can borrow 20 cents, 50 cents, 1 USD or 2 USD, and pay it back later when you next top up.

As long as your loan amount is 60 cents or less, you can also request a second loan, even if you haven’t yet paid back your first one!

We’ve got you covered with SmartLoan.

Activation code

Fee

20 cents
50 cents
1 USD
2 USD

5 cents
10 cents
20 cents
40 cents

Benefits

Borrow whenever you need to
Simply top up to pay it back
A range of different SmartLoan amounts – from 20 cents to 2 USD
Take out a second SmartLoan even if you haven’t yet repaid your first one

Terms & Conditions

Expand to view Terms & Conditions

To receive a SmartLoan of 20 cents or 50 cents, you must be a prepaid subscriber, have been on the Smart network for at least 30 days, and have topped up a total of at least 5 USD over the past 6 months.
To receive a SmartLoan of 1 USD, you must be a prepaid subscriber, have been on the Smart network for at least 30 days to 60 days, and have topped up a total of at least 10 USD over the past 6 months.
To receive a SmartLoan of 2 USD, you must be a prepaid subscriber, have been on the Smart network for at least 90 days, and have topped up a total of at least 20 USD over the past 6 months.
To request a second loan of 20 cents or 50 cents, you must be a prepaid subscriber, have been on the Smart network for at least 90 days, have topped up a total of at least 10 USD over past 6 months, and have only one outstanding SmartLoan. SmartLoans of 1 USD and 2 USD are not available for a second loan.
If you take out a SmartLoan while your number is in an active status, you will get a prolonged balance lifecycle of 8 days starting from the date of the loan. If your number is in a barred status, the lifecycle will be cut to four days for all SmartLoan amounts.
SmartLoan is not available to Smart Home or Smart @Home subscribers.
SmartLoan is available to Smart Traveller SIM subscribers.
To check your SmartLoan history and to check your current SmartLoans, dial *9111# free of charge.
To request the biggest possible first or second SmartLoan, dial *911#.
Your outstanding SmartLoan amount will be deducted on a first-priority basis immediately following your next top up.

SmartNas

Control and manage your balance, subscribe to services, top up and get more done anytime, anywhere.

GET SMARTNAS

F.A.Q.

What is SmartLoan?

When you run out of balance and want to make a call, send an SMS or use the Internet, you can request a SmartLoan. You can then repay the loan the next time you top up.

How do I get a SmartLoan?

To request a 20 cents SmartLoan, please dial *911*20#
To request a 50 cents SmartLoan, please dial *911#
To request a $1 SmartLoan, please dial *911*100#
To request a $2 SmartLoan, please dial *911*200#

Can I take out a second SmartLoan?

As long as your debt is only 60 cents or below, you can request a second loan even if you haven’t paid back your first loan. You also need to be a Smart Prepaid customer, and have been an active Smart user for the past 90 days, having topped-up more than $10 over the past 4 months.

How much will I pay back and how do I do it?

If you loan 20 cents, you will pay back 25 cents. If you loan 50 cents, you will pay back 60 cents. If you loan $1, you will pay back $1.20. If you loan $2, you will pay back $2.40. Loans are automatically repaid the next time you top up.