Borrow money for a phone: where to get it, how to borrow it. Borrow money for your phone online in 2021.

A phone loan is a unique and very useful product in some situations.

Or it would be more accurate to say that phone loans are a collective name for fundamentally different situations in which money is transferred to a mobile phone account that does not belong to the owner of the number, but he gets the opportunity to manage it. And he is obliged to return these funds on the terms agreed upon by the lender.

Loan rating

Loans to mobile phone accounts are issued by mobile operators (MTS, Tele 2, Beeline, etc.), but only within their customer base. Those. MTS will not transfer money to the number of another operator, but only to its subscriber.
Borrowing money for a phone is already a loan issued by microfinance organizations (MFOs). Such loans are of a reimbursable nature and have the usual conditions for MFOs.
Individuals can also lend money by transferring money to someone else’s number.

We will not consider the latter option due to the purely individual nature of such relationships.

Find a loan

Why might you need to borrow money for a phone?

Modern technologies accompany people everywhere. This, when a certain balance is reached or goes into a negative value, is possible not only with cellular operators, but also with banks whose services are used by the owner of the phone. However, some citizens prefer to pay after the fact, negotiating the required finances, without lending to mobile operators. Under what circumstances can you find yourself without funds on your mobile phone number?

They can be very diverse:

funds simply ran out after talking;
connecting random services;
being in roaming;
using mobile Internet without special packages.

Considering that every second person now has smartphones - devices that require constant access to the global network, getting into a negative balance is not so difficult.

Without exception, all mobile operators offer clients the service of temporarily providing funds to a mobile phone number with subsequent mandatory payment. If the client does not pay the borrowed funds, the number will be unconditionally disconnected from the operator’s services.

It will be possible to restore the functionality of the number only by paying the debt, and in some cases you will need to visit the mobile operator’s office to write an application.

Application process

In the process of filling out the questionnaire, you should not have any difficulties. You can get a loan for your mobile phone right now. Please enter your contact information carefully. Fill in your passport and phone number. Many companies process applications almost instantly. This is due to the fact that there is serious competition in the microfinance services market. Many organizations offer loans at minimal interest rates. You can find a list of such organizations on our website.

No money - no big deal?

For some, lack of funds on a mobile phone account is not a big problem. Incoming calls are accepted, but the rest is optional. For people whose life and business directly depend on being in touch and being able to call constantly, the lack of funds can not only disrupt any plans, but also damage their financial and business reputation.

Thus, it is for them that there is an opportunity to use borrowed funds. By receiving money on credit for their phone, they thereby maintain their availability regardless of the time of day and their own geographic location. Next, we’ll look at the ways you can top up your mobile phone balance.

Microlenders will help

You can borrow money for a phone, as well as a loan, from a microfinance company. Fortunately, this market segment, unlike the banking sector, does not limit lending to large amounts. Microlenders work with amounts ranging from one hundred, and sometimes even fifty, rubles.

It would seem that it would be easier - contact your mobile operator, and don’t worry about the lack of funds. However, some examples can be given that will clearly show the possibility of turning to microfinance as the only way out. A person urgently needs to make a call, but there is no money on the phone.

To activate the service, you must:

use special USSD commands that activate operator services;
Call the operator's general support number.

True, the snag can happen in both cases. It’s not always convenient to remember all these sets of numbers with asterisks and hash marks, and there is no memo with a detailed description at hand. Contacting support takes quite a long time and you need to remember the support phone number. While the electronic robot in a mechanical voice will list dozens of services provided, while you choose the one you need.

The question is that the lending service may have a strange name that meets the requirements of modern marketing, but is not at all similar to. It's easy to get confused in a stressful situation.

Suddenly, an office of a microcredit company is found within close proximity. A person goes there and within ten minutes receives a hundred or two hundred rubles on his phone number. You can make a call and possibly save your own business from a catastrophic situation.

The benefits of microcredit:

speed – the time between applying and receiving funds (especially small ones) takes a short period;
You only need a passport;
The microcreditor works with any potential client who applies;
funds are issued for any needs, including borrowing money for a telephone;
Transfer of funds to the mobile operator number is carried out in seconds.

In the future, you will simply need to return the funds to the microcreditor with a small percentage, but the main thing is that the necessary calls have been made and the situation has been saved.

When you have time to ask for help directly from your mobile operator, everything is much simpler.

If the balance is negative

The easiest way to top up your account on credit, even with a minus, but not more than 30 rubles, is to order the “Promised MTS Payment”. The ability to call in other cases is provided when the amount rises to -300R, and in some tariffs this option is installed by default. It is better to find out about this in advance so that your mobile phone cannot be turned off at the most inopportune moment.

You can apply for the service via SMS to number 2828, where you should indicate the number “1”, refusal through “0”.

Another option to urgently top up your account (deposit money) with a minus balance is the “On Full Trust” tariff.

Borrow money for a phone from a mobile operator

The easiest way in this case would be to contact the representative office of the mobile operator directly.

The manipulations are as follows:

contacting any available manager;
providing the passport of the person to whom the phone number is registered;
announcement of telephone number;
waiting for the lending service to be connected.

It’s even easier if you have a computer with Internet access at hand. Then you need to do the following:

find the official website of the cellular operator in the search engine;
follow the specified link;
in the site search, indicate the necessary information or find it yourself in the sections for working with individuals;
find the required sequence of commands;
enter the USSD command on your phone;
obtain the necessary funds.

It is worth remembering that borrowed funds must be returned within the specified time frame. Also pay close attention to the commands. Use only those listed on the official websites of mobile operators. By entering commands from third-party sites or forums, you can inadvertently activate paid services or fraudulent commands.

As mentioned above, you can call the support service. As a rule, calls to the support number are free of charge even when roaming, although different numbers must be used for different geographic locations. This is worth remembering for those who are often away from their “home” cellular network.

When communicating with robots of cellular operators, you need to carefully listen to the spoken text and select the offered options using the phone’s numeric keypad or touchscreen for a smartphone.

This method is inconvenient because the required option may be in distant lists, and while you listen to all the necessary information, the battery may run out.

In this option, you will not borrow from MTS, but ask people close to you to top up your account. It is possible to send a free request to a subscriber of any telecom operator in Russia.

To do this, dial the request *116*subscriber number#

call key. The subscriber whose number is specified in the request will receive an SMS message asking you to top up your account. A request can be sent 5 times a day. Here all that remains is to wait for the request to be fulfilled.

Combinations of requests for these types of services are the same throughout Russia, that is, subscribers living in Crimea use the same USSD command numbers and short numbers.

Of course, it is better to try to avoid such situations and control your balance, but if you do end up in the red, you have a way out. Choose which one suits you best and take note.

Lending from major mobile operators

Such companies as Megafon, Beeline and the operator Tele 2, which has recently expanded everywhere, offer their clients various lending methods. In other words, you can borrow money for a phone from any operator, but everyone’s methods are different. However, some conditions for the provision of services unite operators:

the loan applicant who applies must be a continuous client of the operator for a certain time (it all depends on the operator, but the terms vary from fifteen days to two months);
The loan is given a fixed amount, which varies depending on the client’s length of service or the repayment period;
if the loan is not repaid on time, the client is disconnected from all cellular services until the debt is fully repaid;
Interest is almost always charged on the loan amount.

It turns out to be a kind of lending, although for small amounts and there are no high requirements, as in banks. There is no need for collateral or guarantors.

Some operators offer regular customers a fixed amount, which they can talk or spend on mobile communications and Internet services, guaranteed. Being a regular customer of the mobile operator MTS for five years, a person can receive a guaranteed loan from one thousand to three thousand rubles, which can be spent on services provided by the operator. This amount depends on the funds spent by the client during the entire period of using the company’s services. Moreover, loan funds can be spent without connecting additional services. However, to do this, you need to “earn” the trust of the mobile operator.