We all have been in a situation were we need to contact someone, but due to insufficient balance in our prepaid SIM, we cannot make the call and asked for a recharge. Recharging takes some time and you cannot recharge yourself if you don’t have internet access. This is when an advance loan becomes helpful. All major SIM providers in Pakistan offer this service so that we stay connect , and in this guide, we’ll explore how to get an advance loan, eligibility requirements, charges, and other important details.
Why Trust Pakera.pk?
At Pakistan Era, we share information that’s true and clear. Everything is properly checked before we publish, so you can trust what you read. Our goal is to keep things simple and reliable, making sure you get the best and most accurate facts!
Loan Amounts & Codes of All Networks of Pakistan
To get a quick overview of each network provider’s loan limits and codes, here are the advance loan amounts, service fees, and activation codes for each network:
| Provider | Loan Amount (Rs.) | Service Fee (Rs.) | Activation Code |
|---|---|---|---|
| Ufone | 20 – 60 | 2 – 5 | *456# |
| Jazz | Up to 200 | Varies | *112# |
| Zong | 25 | 3 | *911# |
| Telenor | 30 | 3 | *0# |
| Warid | 15 | 2 | *112# or SMS ‘AB’ to 7676 |
| SCOM | 15 | 2 | *135# |
If you want to enjoy more advance loan, consider changing your sim network,.
How to Get a Ufone Advance Loan
Step-by-step on how to get Ufone UAdvance loan:
- Open the dialer on your phone.
- Dial *456#.
- A pop-up message will confirm that your UAdvance request has been received.
- If eligible, you will receive a confirmation SMS.
UAdvance Loan Amount
Below are the available advance loan amounts and their tax deductions.
| Loan Amount | 30% Tax of Loan Amount | Total Deduction on Recharge |
| 20 | 6 | 26 |
| 30 | 9 | 39 |
| 40 | 12 | 52 |
| 50 | 15 | 65 |
| 60 | 18 | 78 |
Check Ufone Balance
To check your Ufone remaining balance, please dial *124# or open your UPTCL App (My Ufone app).
How to Check Remaining Package Ufone
To know about the remaining data and minutes in your package, dial *708# or download the UPTCL App (My Ufone app).
Advantages of UPTCL App
You can use UPTCL App (previously known as the My Ufone App) for many things. You can check your Ufone sim remaining balance, pay bills, get Ufone Super Cards, check your remaining package details, recharge, and more.
People Also Ask Question:
Can I Subscribe to a Ufone Package Without Paying the Advance Loan?
No, Ufone requires you to pay back the advance loan before you can subscribe to a new package. However, if you no longer wish to use the package, you can unsubscribe Ufone package anytime.
How to Get a Jazz Advance Loan
- Open your dialer.
- Dial *112#.
- You will receive an SMS confirmation, and the loan will be added to your balance.
Loan Limit of Jazz
Jazz provides its customers an advance of up to 200 Rs based on their recharge history and usage details. To learn more about Jazz’s terms and conditions, please check jazz website.
Jazz MB Check Code
Now we will look at how to check Jazz mobile balance. The Jazz mobile balance check code is *111#, or Dial *444*6*2#.
People Also Ask Question:
Can i Subscribe Jazz Package without Paying Advance Loan?
No, you have to pay advance loan first before subscribing to a new package, otherwise you won’t be able to subscribe. But still you can unsubscribe jazz package if you don’t want to continue.
How to Get a Zong Advance Loan
- Dial *911# on your phone.
- A confirmation message will appear, and Rs. 25 will be added to your balance.
Check Zong Sim Remaining Balance
To check your remaining Zong balance, please dial *222#.
How to Get a Telenor Advance Loan
- Dial *0#.
- A message will confirm that you have received Rs. 30 as an advance loan.
Check your Telenor Sim Remaining Balance
To check your Telenor SIM balance, please dial *444#.
People Also Ask Question:
Can I Subscribe to a Zong Package Without Paying Loan?
Zong does not allow package subscriptions unless the advance loan is cleared. If you do not wish to continue using a package, you can easily unsubscribe from your Zong package.
How to Get a Warid Advance Loan
- Dial *112# or send an SMS with ‘AB’ to 7676.
- A confirmation message will inform you that Rs. 15 has been added to your balance.
Check your Warid Sim Remaining Balance
To know your Warid SIM remaining balance, dial *111# and you will receive a pop-up with your remaining balance.
How to Get an SCOM Advance Loan
- Dial *135# on your phone.
- A confirmation message will notify you that Rs. 15 has been credited.
Check your SCOM Sim Remaining Balance
To check your remaining balance and package details, dial *125#.
Eligibility Criteria for Each Sim Provider in Pakistan
Each network provider has specific criteria for availing an advance loan. Users must meet these requirements to qualify:
- Ufone: Must have an active SIM for at least 90 days and regular recharge history.
- Jazz: Users must have recharged a minimum of Rs. 200 in the past 30 days.
- Zong: Available to users who have used the SIM for more than 60 days and maintain a recharge frequency.
- Telenor: Must be an active user for at least 45 days with consistent recharges.
- Warid: Requires the SIM to be active for at least 60 days.
- SCOM: Available for users with at least three previous recharges.
If a user does not meet these requirements, they may receive an ineligibility message when attempting to request an advance loan.
How to Pay Advance Loan?
The advance loan is automatically deducted when you recharge your SIM. The network provider deducts the loan amount and charges 2 to 5 rupees extra.
People Also Ask Questions
How to Find Your SIM Number If You Don’t Remember It?
In Pakistan, a person can own up to five SIMs, which makes it difficult to remember all their numbers. To check your SIM number, you can call someone nearby, and your number will be displayed on their phone.
Q: How to Check Registered SIMs on Your CNIC?
To check the number of SIMs registered on your CNIC, simply open your messaging app and send your CNIC number to 668. You will receive a complete list of registered SIMs along with their respective networks.
Charges and Limitations of Advance Loan in Pakistan
While advance loans are helpful, they come with charges and limitations:
- Loan Amount Limit: Loan amounts depend on user history; frequent recharges may increase the limit over time.
- Service Fee: Networks charge a service fee ranging from Rs. 2 to Rs. 5 on top of the loan amount.
- Repayment: The advance loan is automatically deducted from the next recharge.
- Loan Frequency: Most networks allow only one advance loan at a time. A new loan cannot be taken until the previous loan is repaid.
Pros and Cons of Advance Loans
Pros
- Helps in emergencies when balance runs out.
- Instant access to small amounts without paperwork.
- Available on all major networks in Pakistan.
- Convenient repayment method via automatic deduction.
Cons
- Additional service charges increase the repayment amount.
- Limited loan amounts may not be sufficient for all needs.
- Users must clear previous loans before requesting another.
- Overuse can lead to unnecessary deductions on recharges.
People Also Ask Questions
Dial *456# to get an instant loan of up to 60 Rs on your Ufone SIM, or dial *124# to check your remaining balance.
Dial *112# or send an SMS with ‘AB’ to 7676 to get an instant loan on your Warid SIM, or dial *111# to check your remaining balance.
Dial *112# to get an instant loan of up to 200 Rs on your Jazz SIM, or dial *111# to check your remaining balance.
Dial *0# to get an instant 30 Rs loan on your Telenor SIM, or dial *444# to check your remaining balance.
Dial *911# to get an instant loan of 25 Rs on your Zong SIM, or dial *222# to check your remaining balance.
The advance is automatically deducted on your next recharge.
No, it’s not harmful as it is a service provided by network companies to their customers in times of need.
In the end, advance loan feature provided by all major network providers in Pakistan ensures that users stay connected even when they run out of balance. Either you are in an emergency or just short on balance, these loans provide a quick and easy solution. However, it is really important to use them wisely and pay them back, keeping in mind the additional charges and repayment conditions.
Umer Kureshi is a Certified SEO Expert, Website Designer, and Business Analyst with a strong background in technology and digital marketing. As the Lead Administrator, SEO Manager, and Writer at Pakera.pk, Umer manages the website operations, optimizes website content for search engines, and writes engaging guides on technology and current events happening in Pakistan.
Currently, Umer is pursuing a Bachelor’s in Management Studies from Government College University, Lahore. Umer combines his academic insight, knowledge, and critical thinking with practical experience to give impactful results. Umer also contributes to Xfilink Pvt Ltd as the Lead Manager of Content Writers and to Technology Elevation, where he looks over affiliate marketing, web design, and technical writing.
Umer’s certifications in SEO and expertise with tools like WordPress, Google Analytics, and SEMrush reflect his dedication to staying at the forefront of the industry.
In his free time, Umer stays active and energetic by regularly participating in sports and outdoor activities, combining his athletic spirit with a passion for staying sharp and focused.
