How to Borrow Load in Smart (2025): Easy Guide

Running out of load usually happens at the worst possible time right when you need to call family, reply to work messages, or connect to the internet. For Smart users in the Philippines, there’s no need to panic if this happens.

In 2025, Smart allows prepaid subscribers to borrow load through a quick request system. The borrowed amount gives you instant balance that can be used for calls, texts, or data, and the cost is simply deducted the next time you reload. If it does not works you can request Pasaload Smart from your friends.

This article explains what Borrow Load is, the requirements you should meet, and the step-by-step methods you can use to borrow load in Smart today.

What is Borrow Load in Smart?

Borrow Load is a service from Smart Prepaid that lets you request load even when you have no balance. It works like a short-term loan for mobile credit. The borrowed amount can be used for text messages, calls, or data, depending on what you need at the moment.

The borrowed load is not free. Smart adds a small service fee, and the total amount is automatically deducted from your next reload. For example, if you borrow ₱10, Smart may deduct ₱11 or ₱12 (depending on the service fee) once you top up again.

This feature is mainly for prepaid subscribers who want to stay connected during emergencies when buying load is not possible right away.

Requirements to Borrow Load in Smart

To use the Borrow Load service in Smart, you need to meet specific conditions. These help Smart verify that you are eligible and can repay the borrowed amount.

Here are the key requirements:

1. You must be a Smart Prepaid user. This service is not available for Smart postpaid accounts or other networks like TNT or Sun.
2. Your SIM must be active for at least 3 days. New users cannot borrow load immediately after activating their SIM.
3. You should have no active unpaid borrowed load. If you already borrowed load and have not reloaded yet, you need to settle that first.
4. You must have good load usage history. Smart checks if you regularly reload and use load to ensure that you can repay the loan.
5. You need to have a zero or low balance. Borrow Load is meant for users who currently have no load or less than the cost of the offer they want to request.

Meeting these requirements ensures that the Borrow Load request will go through without errors or rejection.

How to Borrow Load in Smart (Step-by-Step Guide)

Borrowing load in Smart is designed to be quick, but many users face errors if they don’t know the correct steps or the right codes. Below are the three reliable ways to borrow load in 2025, with clear instructions and examples.

1. Borrow Load through *767# or *123# Service

This is the most direct way and works even if you have no internet connection.

Steps:

1. Go to your phone’s dial pad.
2. Enter *767# and press the call button.
3. A menu will appear with available load amounts.
4. Choose the amount you want (for example, ₱10 or ₱20).
5. Press Send to confirm.
6. Wait for an SMS from Smart confirming that the borrowed load has been added to your balance.

Tip: If you get an error, make sure your SIM has been active for at least 3 days and that you don’t have an unpaid borrowed balance.

Borrow Load through *5623#

If you dial *5623#, you’ll see several SOS load packages for text, call, or combo services.

Name	Description	Deduction	Validity
P4 ON NET SMS	4 texts to Smart/TNT	₱4.00	1 day
P5 ALL NET SMS	5 texts to all networks	₱5.00	1 day
P6.50 ON NET VOICE	1 minute call to Smart/TNT	₱6.50	1 day
P7 BIG SEVEN	9 texts to Smart/TNT	₱7.00	1 day
P10 COMBO SMS	5 texts to Smart/TNT + 2 voice messages to Smart/TNT	₱10.00	1 day
P10 COMBO VOICE	1-minute call to Smart/TNT + 5 minutes of internet	₱10.00	1 day

Tip: The USSD menu (*5623#) is the best option if you don’t remember the SMS keywords. It also shows only the promos available to your SIM.

2. Borrow Load via SMS Keyword

If you prefer text messaging, Smart also allows borrowing through SMS.

Steps:

1. Open your phone’s messaging app.
2. Type the keyword for the load you want. Example:
   • LOAN 5 for ₱5 load
   • LOAN 10 for ₱10 load
   • LOAN 20 for ₱20 load
3. Send the message to 7676.
4. You will receive a reply confirming if your request was successful.

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 of internet surfing + ₱1 airtime load	₱10.00	1 day
ALL OUT SURF 20	SOS ALLOUT20	Unlimited texts to all networks, 20 min calls (Smart/TNT/Sun), 150MB data, free Facebook	₱24.00	1 day
ALL OUT SURF 30	SOS ALLOUT30	Unlimited texts to all networks, 30 min calls (Smart/TNT/Sun), 300MB data, free Facebook	₱36.00	2 days
UCT 30	SOS UCT30	Unlimited texts to all networks, unlimited calls (Smart/TNT/Sun), 100MB internet data	₱36.00	1 day

Tip for TNT users: Replace “SOS” with SAKLOLOAD. Example: Text SAKLOLOAD SURF10 to 7676.

3. Borrow Load using the Smart GigaLife App

For users with internet access, the GigaLife app provides a modern and convenient way to borrow load.

Steps:

1. Install the Smart GigaLife app from the Google Play Store or Apple App Store.
2. Log in using your Smart Prepaid number.
3. On the home dashboard, look for the Borrow Load option.
4. Select the amount you want to borrow (like ₱5, ₱10, ₱20).
5. Confirm your request, and the borrowed load will appear in your balance immediately.

Which Method Should You Use?

• If you don’t have internet, the *767# service is the fastest and most reliable.
• If you like texting, the SMS method works just as well.
• If you want extra control and monitoring, the GigaLife app is the best choice.

Smart Borrow Load Amounts and Charges (2025)

When you borrow load from Smart, you’re not just borrowing the main balance—you’re also agreeing to pay a small service fee. This fee varies depending on the package you choose. The borrowed load plus the fee will be automatically deducted once you reload.

Borrow Load Denominations

In 2025, Smart allows prepaid users to borrow the following denominations:

Borrowed Load	Service Fee	Total Deduction on Next Reload
₱5	₱1	₱6
₱10	₱2	₱12
₱20	₱2	₱22
₱30	₱3	₱33
₱50	₱5	₱55

Example: If you borrow ₱20 today, your next reload of ₱100 will automatically deduct ₱22, leaving you with ₱78 balance.

Important Things to Know About Charges

• Validity: Borrowed load usually expires within 1 day unless specified (promo-based borrow load may last longer).
• One Loan Rule: You cannot borrow again if you still have an unpaid loan.
• Partial Deductions: Even if your reload is less than the total owed, Smart will still deduct what it can until the full amount is settled.
• Promo vs. Regular Load: Some borrowed amounts directly give you promo inclusions (texts, calls, data), while others are just regular airtime load.

Why the Service Fee?

The service fee is Smart’s way of covering the convenience of giving you load in advance. While it may seem small, it ensures you get instant access even without physical reload cards or e-wallet balance.

Things to Remember When Borrowing Load

Before you rely on the Smart Borrow Load service, keep these important points in mind:

These reminders help you avoid unexpected deductions and ensure smoother use of Smart’s emergency credit.

Alternatives if Borrow Load Option is Unavailable

If Borrow Load isn’t available on your SIM, there are still other ways to stay connected during emergencies:

• Buy Smart Promos Online – You can purchase load or promo packages from official Smart channels, e-wallets (like GCash, Maya), or online stores. These usually process instantly.
• Request Pasaload – Ask a family member or friend with a Smart or TNT number to share load through Pasaload. This is a quick way to get credits when you’re out.
• Emergency Data Promos – Smart sometimes offers low-cost data promos designed for urgent browsing needs, such as ₱10–₱20 packages for short-term internet use.

With these alternatives, you’ll still have backup solutions even when Borrow Load isn’t an option.

Final Thoughts

Borrowing load from Smart in 2025 is a practical option when you run out of credits and need to call, text, or use data urgently. The process is simple, but it comes with limits, service fees, and repayment rules you should always remember. By knowing the eligibility requirements, borrowing amounts, and repayment process, you can avoid surprises and use this service more effectively.

If Borrow Load isn’t available, options like Pasaload, emergency data promos, or buying load online give you reliable alternatives to stay connected.

Frequently Asked Questions

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