How to take loans on Smart Cell?

How to take loans on Smart Cell?

Like any other trap, debt is easy to get into, but hard to escape.

If you are someone whose frequent loan requests are not to banks or other people, but to your cell service provider, you are in the club, man. Welcome to the world of cell service loans. A feature that allows you to borrow up to a certain amount and use it in an emergency.

In this article, we will see how to take a loan on Smart Cell and some niche information to get ready for taking a loan on Smart Cell. Out of three of the largest wireless carriers in Nepal, Smart Cell has the least number of subscribers. So, it makes sense for many of you to be unaware of this service.

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But why do you even take a loan from a cell phone service?

Why Do We Take Loans for Cell Services?

How to take loans on Smart Cell

People dislike taking out loans in general, and this is also true for Smart Cell and other cellular services. Although this is true, sometimes things don’t work out as we plan, and we are forced to take out loans. As such, let’s look into situations where people typically borrow from cell phone companies.

Balance runs out and It’s too late

Cell phone companies don’t give out loans unless consumers are in financial trouble. Also,  people don’t take loans from cell services unless they run off balance.
However, it is not a question of if, but rather when and where people run out of balance. A common situation would be to need to reach someone at too late an hour. 

At this point, all the stores are closed, and you are unable to recharge your phone. In this situation, you have two options – use a mobile wallet or take out a loan. Not everyone has a mobile wallet, so borrowing money from Smart Cell may be the only option. 

No cash when you need it

We don’t like to be broke, but sometimes we are. Maybe you are not carrying any cash or maybe you just ran out of them, but regardless of the circumstances, the bottom line is you ran out of balance on your cell service and cash at the same time. In these circumstances, if you need to make a call or send an SMS you take a loan. 

Stores not open

Here we have the most awkward of all the circumstances. When you have money to refuel your phone but surprisingly all the shops are all closed. What’s more, you need to make an emergency call. What do you do? Smart Cell offers loans. Take it. 

But How do you take Loans from Smart Cells?

How to take loans on Smart Cell

You now understand when it is time to take out a loan. Next,” How do you take it? “

You can do so by following steps:

  • Dial *129*10#
  • Call

It’s just a matter of waiting after you dial the USSD code mentioned above. After some time, you will receive a message letting you know that your loan request has been approved.

Also, only 6 months old Smart SIM can get the Loan/Sapati service.

With the loan, you can either call or text your contacts. FYI You will only receive a loan of Rs 10. Even if you call and talk for a few minutes or exchange a few messages, this amount is barely enough. But beggars can’t be choosers, now can they? 

As a final note,

How to take loans on Smart Cell

Smart Cell may make taking a loan from them a good experience for you, but you should also be aware that the service will charge 50 paise for each loan. Although this is not a large sum, it still deducts from your balance.

Also please don’t make this a habit as sometimes we tend to forget if we are on loan balance or main balance which can land us in a big puddle.

Hope you found this article interesting. We’d love to hear your suggestions. Feel free to leave your comments below. As always, thank you for reading all the way to the end. 

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