How to borrow loan or Credit from STC?

If you are running short of STC mobile load/balance in an emergency, you can always borrow a 5 Riyal advance credit or loan from Sawa and return it when you recharge it for the next time. 

Borrow STC Load – Automatic

Whenever you get out of credit, STC will send you a message from 808808, offering to receive a 5 riyal Sawa advance balance by replying with a code.

  • Hello, kindly note that your balance is almost consumed.
  • Reply with the STC emergency loan code “1” to borrow the STC load.
  • SR 1 fee will be applied for this transaction upon your next recharge. 

borrow sawa 5 riyal advance credit

You shall receive a message confirming that you have successfully borrowed STC load or Sawa advance credit of riyal 5.

  • You need to consume it within 90 days or it shall expire automatically.

how to borrow STC emergency load/balance/loan

As soon as you recharge your account, you shall face a deduction of the STC emergency loan. This offer is valid only for prepaid customers.

STC Advance Balance – Manual

If you did not receive a message from 808808 to borrow the STC load, you can send a request for the STC advance balance as well. For that, you shall follow this simple procedure:

  • Write STC emergency loan code “1” in an SMS
  • Send it to 808808.
  • Soon you will receive Sawa 5 riyal advance credit.
  • Utilize the credit within 90 days.

You should make sure that your credit is zero to proceed with the STC emergency loan. The STC advance balance shall be only given to those who are eligible and valid Sawa users. In case of any problem, you can always contact the STC helpline.

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Steve has been living in Saudi Arabia since 2013 and writing about Saudi rules, regulations, guides, and procedures since then.