Out of balance at the wrong time? It happens. You’re on the road or need to make a quick call but your Ufone balance is gone. That’s where Ufone’s advance loan service helps. It’s quick and works instantly.
We explains everything about how to Take Loan in Ufone. You’ll learn how to Take Loan in Ufone using simple steps, what it costs, who can use it, and real stories from users across Pakistan.
What Is Ufone Advance Loan?
Ufone gives prepaid users a small loan when they run out of balance. It’s called UAdvance. You get Rs. 20 in emergency balance. A small fee is taken when you recharge next time.
Ufone has over 23 million users in Pakistan (PTA, 2023), and many of them use this service every week. Many of them want to know how to Take Loan in Ufone without any confusion.
Who Can Use Ufone Loan Service?
Here are the rules if you want to Take Loan in Ufone:
- Only for prepaid Ufone users
- SIM must be active for at least 30 days
- No unpaid loan on your number
- Works anywhere in Pakistan
If your number meets these rules, you can Take Loan in Ufone anytime.
How to Take Loan in Ufone (All Working Methods)
1. USSD Code (*456#)
This is the fastest and easiest way to Take Loan in Ufone:
- Open your phone dialer
- Dial *456#
- You’ll get a message
- Rs. 20 is added to your balance
Charges
Rs. 4.40 will be taken from your next recharge.
It works even with zero balance and no internet.
Example
Ahmed from Murree was hiking and lost signal and balance. He dialed *456# to Take Loan in Ufone and called his brother.
2. My Ufone App
Another simple way to Take Loan in Ufone:
- Open My Ufone app
- Log in
- Tap UAdvance or Loan
- Confirm it
Your loan will be added in seconds.
This method is good for people who already use the app to recharge or check packages.
3. Ufone Website (Less Used)
You can also Take Loan in Ufone using their website:
- Go to ufone.com
- Log in to your account
- Look for “Advance Balance” or “Loan” option
Not many users use this method, but it works for some.
How Much Balance Do You Get?
When you Take Loan in Ufone, you usually get Rs. 20. Some regular users might get a bit more over time.
Ufone Loan Charges (2025)
Before you Take Loan in Ufone, know the charges:
- Loan: Rs. 20
- Fee: Rs. 4.40 (with tax)
- Total Deduction: Rs. 24.40 from next recharge
So if you recharge Rs. 100, you’ll get Rs. 75.60 after paying back the loan.
Rules You Should Know
Here are the main things to remember if you plan to Take Loan in Ufone:
- Only one loan at a time
- Loan for prepaid SIMs only
- SIM must be at least 30 days old
- Loan is auto deducted next time you recharge
Why People Use Ufone Loan
People Take Loan in Ufone for many reasons:
- No balance and no load shop nearby
- Power cut, shop is closed
- You need to call home during an emergency
- You’re traveling and can’t find a load point
Example
Sara, a student in Islamabad, had no balance during a storm. She used *456# to Take Loan in Ufone and call her father.
Is It Safe?
Yes, it is 100% safe to Take Loan in Ufone. The service is provided directly by Ufone.
Ufone is part of PTCL Group and backed by Etisalat.
How to Pay Back the Loan
When you Take Loan in Ufone, you don’t have to pay manually. It is cut automatically from your next recharge.
If your recharge is less than the loan, the balance will be cut from the next one.
Can You Take Another Loan Without Paying First?
No. You must clear the first loan before you can Take Loan in Ufone again.
Tip
If you’re stuck, ask a friend to share balance using Ufone’s balance sharing code.
Does It Work Everywhere?
Yes, you can Take Loan in Ufone from anywhere in Pakistan:
- Lahore
- Karachi
- Quetta
- Peshawar
- Gilgit and more
Example
A boy in Hunza used *456# to Take Loan in Ufone when he had no load shop nearby.
Other Ufone Loan Services
You can also Take Loan for:
- Internet use (if available)
- Mini bundles with some advance credit
- Seasonal or limited time loan offers
These may appear in the app or on their website.
Smart Tips
Here are some smart ways to use the service when you Take Loan:
- Only use it when needed
- Recharge full amount later
- Don’t use it for TikTok or YouTube
- Always check your balance after taking the loan
Compare Ufone Loan with Other Networks
| Network | Loan | Charges | Code | Who Can Use |
|---|---|---|---|---|
| Ufone | 20 | 4.40 | *456# | Prepaid |
| Jazz | 30 | 7+ | *112# | Prepaid |
| Zong | 20-30 | 5+ | *911# | Prepaid |
| Telenor | 15-30 | 4-6 | *0# | Prepaid |
When you Take Loan in Ufone, the fee is lower compared to some other networks.
When Not to Use Ufone Loan
Don’t Take Loan if:
- You already have some balance
- You just want to browse or watch videos
- You can easily recharge
Save it for times when you really need it.
What’s Next for Mobile Loans in Pakistan?
As more people Take Loan in Ufone and other networks, companies may soon offer:
- Bigger loan limits
- Data only loans
- EasyPay or UPaisa linked loans
- Weekly bundle loans
Conclusion
It’s smart to Take Loan in Ufone during urgent times. The process is quick, safe, and works even without internet.
Just don’t forget to pay it back on time.
FAQ
Can I Take Loan in Ufone with zero balance?
Yes. Just dial *456# and follow the steps.
What is the Ufone loan code?
Dial *456# from your prepaid Ufone number.
How much balance do I get when I Take Loan in Ufone?
Usually Rs. 20. Charges apply on your next recharge.
Can I use it for internet?
Yes, but the balance is small. It’s best for calls and texts.
What if I don’t repay?
You can’t Take Loan again until your previous one is cleared.
