How to Use Equitel to Borrow Airtime

Equitel: Jiokolee Credo

Jiokolee Credo is Equitel’s airtime advance service, allowing prepaid subscribers to borrow airtime in denominations of Ksh 10 and above by dialing *740#.

Eligibility

Subscribers must:

• Be registered and active on Equitel telephony and M-banking.
• Have been active for at least 90 days.
• Repay previous Jiokolee Credo advances before borrowing again.

To check eligibility, dial *740# > Select option 9 (Help) > Option 1 (Eligibility).

How to Borrow

• Dial *740#.
• Select preferred amount.
• Confirm the request.
• Receive a confirmation SMS upon successful crediting.

Repayment

• A 10% service fee applies (e.g., borrowing Kshs 50 gives you Kshs 45, but you owe Kshs 50).
• Repayment occurs upon the next airtime top-up.
• Jiokolee Credo airtime can be repaid via any airtime received, including Gawa Credo.

By using these services, subscribers can ensure they stay connected even when their airtime runs low.