Complete Guide: How to Get Zong Loan via USSD SMS & App

Introduction: Your Lifeline When Balance Runs Low

How to get Zong loan in Pakistan is something every prepaid user wonders when they’re caught off guard by a zero balance. Imagine you’re about to send an important message to your boss, or you’re halfway through an online task and suddenly your data bundle runs out. It’s one of those moments when even a few rupees of airtime can make all the difference. That’s exactly when knowing how to quickly access a Zong loan becomes essential.

The Zong Advance Loan is also called the Zong loan is designed to give you a small, instant balance when you need it the most. Users can typically get Rs 15 or Rs 30 credited to their account, depending on their usage and recharge history. Understanding how to get zong loan means knowing when you’re eligible and how to trigger the service using USSD codes, SMS, or the My Zong App. It’s a quick, hassle-free way to stay connected when you’re out of credit.

So, whether it’s a family emergency, an important call, or a sudden need to get back online, Zong’s loan feature is like a backup plan that never lets you down. Once you know how to get Zong loan, you’ll never have to worry about being disconnected again. It’s a simple tool that ensures you’re always just a dial away from staying in touch.

Wondering how to get Zong loan without hassle? You have three instant options:

1. Dial *911# on your Zong number.
2. Send a blank SMS to 6911.
3. Tap “Get Loan” in the My Zong App.

This guide covers every detail – eligibility, limits, hidden charges, and troubleshooting – ensuring you master this essential service.

Pro Tip: Always keep *911# saved in your phonebook for emergencies!

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Eligibility & Limits: Who Qualifies and How Much Can You Borrow?

How to get Zong loan starts with knowing if you’re eligible and how much you can actually borrow. Zong sets specific criteria for users who want to access its advance loan service, based on factors like SIM activity, recharge history, and previous loan repayments.

In this section, we’ll break down who qualifies for the Zong loan, what limits apply, and how your mobile usage influences your borrowing amount – so you’re fully prepared before dialing in for that emergency balance.

Not every Zong prepaid user gets the same loan amount. Your eligibility depends on your recharge history and amount:

Customer Type	Last Recharge Amount	Loan Amount Offered	Max Loans Per Recharge
Standard Advance	≤ PKR 650	Rs 15	2
Super Advance	≥ PKR 650	Rs 30	2

Key Rules to Remember:

If you’re searching for how to get Zong loan, it’s important to understand the key rules that determine your eligibility. Zong advance balance service isn’t just about dialing a code – certain conditions must be met to qualify.

For instance, your SIM must be active for at least 60 days, and you’re only allowed two advances per recharge cycle. Additionally, having unpaid loans or frequent low recharges (like Rs. 50–100) can affect your chances. Knowing these rules helps you avoid rejection and get the loan exactly when you need it.

• You can only take TWO advances per recharge cycle.
• Your SIM must be active for at least 60 days.
• Loans are not available if you have an outstanding advance.
• Frequent low recharges (e.g., Rs 50-100) may reduce eligibility.

Let’s make it clear with the help of an example.

Example: Ali recharged Rs 700 last month. He qualifies for two Super Advances of Rs 30 each.

Pro Tip: Recharge ≥ PKR 650 monthly to unlock higher Rs 30 loans!

Step-by-Step Activation: 3 Methods to Get Your Loan

Method 1: USSD Code (*911#)

This is the fastest way for basic phones:

1. Dial *911# from your Zong SIM.
2. Press “Send” or the call button.
3. Select the “Advance Balance” option (usually #1).
4. Confirm – Rs 15/30 credit is added instantly!

Need a second loan? Repeat the same steps after your first loan.

Method 2: Blank SMS to 6911

No internet? No problem:

1. Open your SMS app.
2. Type nothing in the message body.
3. Send it to 6911.
4. You’ll instantly receive an SMS confirming your loan.

Second loan? Send another blank SMS to 6911.

Method 3: My Zong App (Easiest for Smartphones)

For the app users:

1. Download/Open the My Zong App.
2. Log in with your Zong number.
3. Go to the “Loan” section.
4. Tap “Get Loan”.
5. Confirm – credit reflects in seconds!

Pro Tip: Use the My Zong App to track repayment deadlines easily!

Charges & Repayment: The True Cost Explained

That “free” loan isn’t free! Here’s the breakdown:

Loan Type	Credit Received	Service Fee + Tax	Total Deducted
Standard (Rs 15)	Rs 15	Rs 4.50 + 16% Tax	Approx. Rs 20.22
Super (Rs 30)	Rs 30	Rs 8.00 + 16% Tax	Approx. Rs 39.28

Repayment is AUTOMATIC:

The full amount (loan + fee + tax) is deducted from your next recharge.

If you recharge Rs 100 with a Rs 30 advance due, your starting balance will be Rs 100 – Rs 39.28 = Rs 60.72.

Warning: Avoid multiple loans back-to-back – fees stack up quickly!

FAQs & Troubleshooting: Solve Common Issues

Pro Tip: Clear dues before taking a new loan to avoid activation errors!

Conclusion: Borrow Smart, Stay Connected

Knowing how to get Zong loan via USSD, SMS, or App is a game-changer for prepaid users. Whether it’s Rs 15 for an emergency call or Rs 30 to extend your internet, this service keeps you connected when cash is tight.

Remember:

• Recharge ≥ PKR 650 monthly for bigger Super Advances.
• Loans come with fees – use them sparingly!
• Always clear dues before requesting a new advance.

Need More Help?

Learn every Zong USSD code in our Ultimate Zong Advance Code Guide.

Track dues easily: How to Check Zong Advance Balance.

Got Questions? Ask below – we reply within 24 hours!