You’re in the middle of a call, a text, or an online chat — then suddenly, “You have insufficient balance.” The timing couldn’t be worse. No store nearby, no data left, and your prepaid load just ran out.
But if you’re a Globe user, you don’t have to panic. Globe’s Loan Load service — also known as Globe Loan or Utang Load — lets you borrow load instantly through text.
No registration. No internet needed. Just a quick text, and your phone gets credited so you can keep calling, texting, or surfing.
This 2025 complete step-by-step guide will show you how to loan load in Globe via text, how much you can borrow, repayment rules, eligibility, and answers to the most common questions from Globe prepaid users.
What Is Globe Loan Load
Globe Loan Load (or “Utang Load”) is a prepaid service that allows you to borrow regular load or load promos from Globe when you’re out of balance.
It’s designed for emergency situations when you need to send a message, make a call, or register a data promo but have no remaining load.
Once borrowed, Globe automatically deducts the loaned amount — plus a small service fee — the next time you reload.
| Feature | Description |
| Service Name | Globe Loan Load / Utang Load |
| Availability | Globe Prepaid and TM users |
| Method | Via text or *143# |
| Eligibility | Active users with good payment history |
| Payment | Auto-deducted upon next reload |
Why Use Globe Loan Load
- Instant access — no need to find a sari-sari store or e-load retailer.
- No registration — works instantly for all eligible Globe prepaid numbers.
- Flexible options — borrow load, call/text promos, or data promos.
- Emergency-ready — perfect when you run out of load late at night or while traveling.
How to Loan Load in Globe via Text
Here’s the simplest way to do it — all through SMS, no internet required.
Step 1: Open your phone’s Messages app.
Create a new message.
Step 2: Type your preferred keyword.
Example: LOAN20 or GOSURF10.
Step 3: Send it to 3733.
That’s Globe’s official Loan Load number.
Step 4: Wait for confirmation.
You’ll receive an SMS confirming your borrowed load or promo.
Step 5: Start using your load.
Once approved, your load balance or borrowed promo activates instantly.
Available Loan Load Options
| Keyword | Loan Amount / Promo | Validity | Service Fee | Send To |
| LOAN5 | ₱5 Regular Load | 1 day | ₱1 | 3733 |
| LOAN10 | ₱10 Regular Load | 1 day | ₱1 | 3733 |
| LOAN20 | ₱20 Regular Load | 1 day | ₱2 | 3733 |
| GOSURF10 | 50MB Data + 1-day validity | ₱1 | 3733 | |
| GOTEXT10 | Unlimited texts to Globe/TM | 1 day | ₱1 | 3733 |
| COMBO10 | 50 texts + 20 minutes calls | 1 day | ₱1 | 3733 |
How the Loan Repayment Works
The next time you top up, Globe automatically deducts the total borrowed amount plus the service fee.
Example: If you borrowed ₱20 with a ₱2 fee, your next ₱50 reload will deduct ₱22, leaving ₱28 available balance.
| Borrowed Amount | Service Fee | Total Deduction Upon Reload |
| ₱5 | ₱1 | ₱6 |
| ₱10 | ₱1 | ₱11 |
| ₱20 | ₱2 | ₱22 |
| ₱50 | ₱5 | ₱55 |
Who Can Use Globe Loan Load
| Requirement | Description |
| Active Globe Prepaid or TM SIM | SIM must be registered and active |
| Minimum Usage | Must have topped up at least once in the past month |
| Good Payment History | Must have paid previous loans in full |
| Load Range | Regular use between ₱10 and ₱300 monthly |
How to Check If You’re Eligible
- Dial *143#.
- Choose Loans or Utang Load.
- If offers appear, you’re eligible.
- If not, you’ll get a message saying “You’re not yet qualified to loan.”
Alternative Ways to Loan Load
*Via 143# Menu
- Dial *143#
- Select Loans or Utang Load
- Choose your preferred offer
- Confirm
Via GlobeOne App
- Open the GlobeOne App.
- Go to Load → Borrow Load → Choose Offer → Confirm.
Globe Loan Load Terms and Conditions
| Rule | Explanation |
| Auto-deduction | All borrowed amounts are automatically deducted upon reload |
| No double-loan | You must repay your first loan before borrowing again |
| Service charge applies | A fixed convenience fee per transaction |
| Eligibility required | Available only to qualified prepaid and TM users |
| No partial payments | Entire loan + fee deducted at once |
When Loan Load Doesn’t Work
| Problem | Cause | Solution |
| Can’t send to 3733 | SIM not registered or inactive | Register SIM at new.globe.com.ph/simreg |
| No response after texting | Poor signal or system delay | Wait and resend |
| Message: “Not eligible” | Insufficient usage history | Load and use regularly |
| Message: “Outstanding balance” | Previous loan unpaid | Reload first to clear debt |
| Error: “Service unavailable” | System maintenance | Try again later or use *143# |
How to Check Your Loan Balance
| Method | Action |
| Dial | *143# → Loans → Loan Balance |
| Text | BAL to 222 |
| App | GlobeOne → Dashboard → Loan Summary |
Tips for Responsible Load Borrowing
- Use only for emergencies.
- Repay quickly.
- Monitor service fees.
- Stay active monthly.
- Avoid chain loans.
How to Deactivate Globe Loan Service
Text STOP to 3733 or call 211 for assistance.
You can reactivate anytime through *143#.
Globe Loan Load for TM Users
| TM Keyword | Description | Validity |
| UTANG5 | ₱5 Regular Load | 1 day |
| UTANG10 | ₱10 Regular Load | 1 day |
| GOTEXT10 | Unlimited texts to TM/Globe | 1 day |
| GOSURF10 | 50MB data access | 1 day |
Frequently Asked Questions (FAQs)
How much can I loan from Globe?
Between ₱5 and ₱50 regular load or select promos.
How do I pay back the loan?
It’s automatically deducted from your next reload.
Can I loan again before paying the first one?
No, you must repay first.
What if I only reload ₱5 but owe ₱10?
Your ₱5 will be deducted; you’ll still owe ₱5.
Can postpaid users loan load?
No, it’s for prepaid users only.
Can I loan with a new SIM?
Not right away; you need consistent usage first.
Can I transfer the borrowed load?
No, you can’t share the borrowed load.
Does the loan expire?
Yes, borrowed load expires in 24 hours.
Can I borrow multiple times a day?
Only once per outstanding loan.
Is it safe to use?
Yes, Globe’s 3733 service is official and secure.
Through a simple text to 3733, you can borrow ₱5, ₱10, ₱20, or even a data promo instantly. It’s fast, safe, and built for real-life moments when you need to stay connected.
Just remember to use it responsibly. Loan Load is your quick bridge, not your main reload option. Pay it promptly, and keep your account active to stay eligible.
Because in a connected world, Globe makes sure you’re never truly disconnected — even when your load runs out.