Smart Borrow Load Philippines | Full Updated Guide 2025

To borrow a load in Smart, just dial *123# and select a load amount, and get instant credit for calls, texts, or data. You can also borrow load smart prepaid via message and online through the GigaLife app. The borrowed amount plus a small fee will be deducted from your next top-up.

How To Borrow Load In Smart

There are several methods that you can use to borrow load Smart. Below, I have provided the step-by-step guides to borrow a regular load:

Infographic showing steps to borrow load in Smart via USSD, app, and SMS.

Borrow Load Via SOS Number

Smart Telecoms had introduced the SOS number to borrow an emergency load in Smart. Here is the details guide about it:

First, open your mobile device and dial *123#.
Select option 8 (BAL) and tap the “send” button.
Now you will get the five different options. Select option 4 (Smart credit) and tap “send”.
You will get a list of SOS load packages. Select any from the list according to your preference.
Choose option 1 (continue), and you have successfully borrowed the load in Smart SIM.

Note: Note: You can also you *767# to borrow the load. The further process is similar to *123#.

Borrow Via SMS

The Smart Telecom Philippines also offers the load via text message. Here is how to do it:

Open the message app on your mobile phone and type the keyword to get a loan.

Here is a list of keywords that you can use to borrow load for Smart:

Name	Keyword (send to 7676)	Description	Deduction	Validity
BIG7	SOS BIG7	9 texts to Smart/TNT	₱7.00	1 day
BIG10	SOS BIG10	3 texts to Smart/TNT + 10 texts to all networks	₱10.00	1 day
SURF10	SOS SURF10	10 minutes internet + ₱1 airtime load	₱10.00	1 day
ALL OUT SURF 20	SOS ALLOUT20	Unlimited texts, 20-minute calls (Smart/TNT/Sun), 150MB data, free Facebook	₱24.00	1 day
ALL OUT SURF 30	SOS ALLOUT30	Unlimited texts, 30-minute calls (Smart/TNT/Sun), 300MB data, free Facebook	₱36.00	2 days
UCT 30	SOS UCT30	Unlimited texts, unlimited calls (Smart/TNT/Sun), 100MB data	₱36.00	1 day

For example: You can quickly borrow 9 texts to Smart or TNT by texting “SOS BIG7” to 7676. This loan costs ₱7 and lasts for 1 day. The amount plus a small fee will be deducted from your next load top-up, making it a handy emergency option when you run out of load.

Borrow Load For Smart Online

You can also borrow the load online through the GigaLife app. Here is the detailed tutorial about it:

Download and install the Smart GigaLife app from your app store.
Log in with your Smart Prepaid number.
Find and tap the “Borrow Load” option on the main screen.
Select the amount of load you want to borrow.
Confirm, and the borrowed load will show up in your balance right away.

Note: You can also use the Smart SIM official portal for this purpose.

Borrow Load Smart Methods Comparison

Here is a quick comparison between the methods that will help you to pick a suitable method quickly.

Method	Available Hours	Speed	Best For
USSD (123# or 767#)	24/7	Instant menus, ~5 sec	Users without internet
SMS (send keywords to 7676)	24/7	~10 sec	Users are comfortable with texting
Smart GigaLife App	24/7	Instant, app-based	Smartphone users with internet

Requirements for Utang Smart Load

You must fulfill the following requirements to borrow the loan.

You must be a Smart Prepaid subscriber. Postpaid accounts are not eligible for Smart SOS load.
You have completed the smart SIM registration, and your SIM must be activated for at least 3 days.
All your previous loans must be settled first, and you have no outstanding loan balance.
Maintain a good load usage and top-up history to show the ability to repay.
Current load balance should be low or zero.

Smart Loan Balance Amount And Deduction

Smart offers a certain amount as a loan. The loan amount, along with service charges, will be deducted from your next load amount. Here are the details about it that will help you understand the Smart Loan policy:

Borrowed Load	Service Fee	Total Deduction on Next Reload	Key Benefit
₱5	₱1	₱6	Small fee for a quick emergency load
₱10	₱2	₱12	Affordable option for light data/text use
₱20	₱2	₱22	Increased load with low extra cost
₱30	₱3	₱33	Suitable for moderate calls and browsing
₱50	₱5	₱55	Largest loan option with a fair fee

Also check : Smart SIM replacement with same number.

FAQs

To borrow load from Smart, simply dial *123# or *767# on your phone, then follow the menu to choose the amount of load you want. You’ll get a confirmation text once the load is added. The borrowed amount plus a small service fee will be automatically deducted from your next load top-up. You can also get a loan via text message and online through the GigaLife app.

Yes, you can use Smart Load if you have no pending loans, and your balance is zero.

When you borrow a loan, the smart gives you a specific amount of balance. This amount, along with the service charges, will be deducted from your next load.

Conclusion

This guide explains how to borrow load in Smart SIM easily in 2025. To borrow load in Smart, dial *123# or *767#, send keywords by SMS to 7676, or use the GigaLife app. The borrowed load helps when you run out of balance and is paid back with a small fee on your next top-up. It covers how to borrow via USSD, SMS, and online, plus requirements and fees. This article uses simple steps and clear info about borrowing load in Smart.

How To Borrow Load In Smart | Complete Guide 2025