How to Borrow Load in Smart 2023: 4 Easy Steps

Do you need to send a message but you’re running out of load? Don’t worry, in this article, I’ll explain how to borrow load in Smart through SOS Load Service so you can do calls, send an SMS, or even mobile internet when you’re out of prepaid load.

While it’s completely possible to pasaload Smart or to pasaload Globe load credits, there’ll be a time when you just need an emergency load so you can send a single message or make that extra important call. This is where Smart’s SOS Load Service comes in handy.

How to Borrow Load in Smart


To borrow load “utang load” from Smart, you need to use your mobile phone and do the following steps.

  1. On your phone, dial *123#
  2. Select number 9) Bal:Svcs (for Balance and Services) and hit reply
  3. Select number 4) Smart Credit and hit reply
  4. Choose your preferred promo or load package
  5. Wait for the text message confirming your loan

How to Borrow Load in TNT


To borrow load from Talk ‘N Text, you must follow these easy steps.

  1. On your phone, dial *121#
  2. Select number 9) Bal:Svcs (for Balance and Services) and hit reply
  3. Select number 4) Smart Credit and hit reply
  4. Choose your preferred promo or load package
  5. Wait for the text message confirming your loan

Related post: How to Redeem Points in Globe

What is SOS Load?

SOS Load is an emergency load service of Smart that allows Smart or TNT subscribers to borrow load from Smart.

Smart and TNT Prepaid subscribers can borrow load, data for internet surfing, call or SMS load credits valid for 1 day only.

Smart Emergency Load service is an amazing feature. Through hustle and bustle, many Smart Prepaid subscribers forget to reload credits thus unable to do calls or send messages in critical moments.

Who is Eligible or Qualified for Smart SOS Service?

In order to avail of Smart’s SOS Load service, you should meet the following criteria.

  1. Smart Prepaid subscribers or Smart Bro Prepaid subscribers (Smart or TNT sim card)
  2. Your Smart SIM must be active for at least 30 days
  3. You have no unpaid previous loan from Smart. You can only borrow one Smart SOS Loan at a time.
  4. Not available to roaming and international subscribers

What Promos or Load Package can I Borrow from Smart and TNT?

Currently, Smart subscribers have 4 options to choose from: regular load, internet data, call, text or call & text combo.

Regular Load

  1. Up to ₱100 load + service fee = ₱105.00 (valid for one day)

Internet Data

  1. 30 MB – ₱8.00 (valid for 1 day)


  1. 1 Min Call to Smart/TNT – ₱6.50 (valid for 1 day)
  2. 2 Allnet Min – ₱8.00 (valid for 1 day)


  1. 4 Text to Smart/TNT – ₱4.00 (valid for 1 day)
  2. 5 Text to All Networks – ₱5.00 (valid for 1 day)
  3. 8 Allnet Text – ₱8.00 (valid for 1 day)
  4. 9 Text to Smart/TNT – ₱7.00 (valid for 1 day)

Call and Text

  1. 5 Text, 2 Mins Call to Smart/TNT – ₱10.00 (valid for 1 day)

How to Pay Off Your Smart SOS load?

Smart will automatically deduct the amount on your next regular reload.

Or you can also pay your loan voluntarily. Simply text the keyword: PAY and send it to 7676.

How much can you borrow in Globe?

Globe has its own Load Loan Offer. Your eligibility to borrow load from Globe depends on your tenure (how long you’ve been using Globe/TM), loading activity (frequency), and usage (load consumption).

Why can’t I loan load in Globe?

There are many factors that could affect your eligibility for a loan. It could either be your tenure, loading activity, and usage.

a. Tenure – how long you’ve been a Globe/TM subscriber. If you’re with Globe/TM for 5 years now, you’ll definitely get approved with a load loan

b. Loading Activity – how often you top up your Globe balance. Is it weekly, monthly or quarterly? The more frequent you top up, the higher your chance of getting a loan.

c. Usage – are you a power user? If your load consumption on a monthly basis is high, then you’ll most likely be approved for a load loan

Frequently Asked Questions

Can I make a loan even without a load balance?

Yes, you can make a load loan from Smart with a minimal load or zero remaining load balance.

How do I check my Loan Balance?

You can check your loan balance by sending a text keyword: SOS<space>BAL and send it to 7676.

How to Pay For Your Borrowed Load/Promo?

Your borrowed load will be automatically deducted on your next reload.

Or you can also pay voluntarily by texting PAY to 7676, so you will not be deducted from your next top-up.

Can I borrow unlimited text from Smart/TNT?

No, right now there is no such offer from Smart or TNT.

Final Thoughts

When it comes to borrowing load, we often don’t know where to start or how to go about it. Smart Communications is there to help! In just four easy steps, you can learn how to borrow load in a smart and responsible way.

But before we get started, let’s take a moment to consider some final thoughts. Borrowing load is a small decision but it’s important to go into it with your eyes open. Here are a few things to keep in mind:

First and foremost, only borrow what you need. It can be tempting to want to borrow more than you actually need, but resist the urge! Only take out as much as you absolutely require. This will help you stay on top of your repayments and avoid getting into debt trouble.

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Written byPaul Dabuco
I'm Paul Dabuco, the man behind Juan Investor, one of the top personal finance blogs in the Philippines. I’m passionate about investing and digital marketing. When I’m not blogging, I’m either tinkering on my clients’ Facebook ads or beachbumming. You can read more about me.

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