How to Get Zong Loan in 2025 – Complete Guide

Running out of mobile balance at the worst possible moment is something every Pakistani mobile user can relate to. Whether you need to make an urgent call, send an important message, or access the internet for an emergency, Zong loan service provides an instant solution that keeps you connected when you need it most.

Zong advance balance, also known as Zong loan, is a convenient emergency credit service that allows prepaid customers to borrow mobile balance instantly. With over 55 million subscribers in Pakistan, Zong has become one of the most reliable networks offering this essential service. The *Zong loan code 911# has become synonymous with instant connectivity for millions of users across the country.

This comprehensive guide will walk you through everything you need to know about how to get Zong loan in 2025, including the latest eligibility criteria, updated charges, multiple activation methods, and expert tips to maximize your loan benefits. Whether you’re eligible for a standard advance loan or the premium super advance loan, we’ll cover all the details you need to stay connected without interruption.

What is Zong Loan?

Zong loan is an emergency balance service that provides instant credit to prepaid Zong customers when their account balance runs low. This service, officially called Zong advance balance, allows you to borrow mobile credit that can be used for calls, SMS, and internet browsing until your next recharge.

The Zong advance loan service operates on a simple principle: when you’re out of balance but need to stay connected, you can instantly borrow credit that gets automatically deducted from your next recharge along with applicable service charges. This ensures you never miss important communications due to insufficient balance.

Key Features of Zong Loan Service

• Instant activation within seconds of requesting
• Multiple borrowing methods including USSD, SMS, and mobile app
• Flexible loan amounts ranging from Rs. 15 to Rs. 60
• Automatic repayment on next recharge
• 24/7 availability for emergency situations
• No paperwork required for activation

Types of Zong Advance Loans

Zong offers two distinct types of advance loans in 2025, each designed to cater to different customer segments based on their recharge history and usage patterns.

Standard Advance Loan

The standard advance loan is available to customers with moderate recharge patterns and offers the following benefits:

• Loan amount: Rs. 30 total (Rs. 15 per transaction)
• Maximum transactions: 2 per recharge cycle
• Eligibility: Customers who recharged less than Rs. 650 in the last 3 months
• Service charges: Rs. 4.5 + tax per transaction
• Usage: Can be used for calls, SMS, and internet

Super Advance Loan

The Zong super advance loan is a premium service for high-value customers offering enhanced benefits:

• Loan amount: Rs. 60 total (Rs. 30 per transaction)
• Maximum transactions: 2 per recharge cycle
• Eligibility: Customers who recharged Rs. 650 or more in the last 3 months
• Service charges: Rs. 8 + tax per transaction
• Priority processing: Faster activation compared to standard loans

Eligibility Criteria for Zong Loan 2025

To qualify for Zong advance balance in 2025, you must meet specific eligibility requirements that ensure responsible lending practices:

Basic Requirements

• SIM type: Must be a Zong prepaid customer (postpaid customers are not eligible)
• Account status: Your Zong SIM must be active for at least 30 days
• Current balance: Must have less than Rs. 5 in your account
• Previous usage: Must have recharged your account at least once in the last 30 days
• Outstanding loans: No existing unpaid advance loans

Recharge History Requirements

Your Zong loan eligibility depends heavily on your recharge history over the past three months:

For Standard Advance Loan:

• Total recharge amount less than Rs. 650 in the last 3 months
• Eligible for Rs. 30 total advance (Rs. 15 per transaction)

For Super Advance Loan:

• Total recharge amount of Rs. 650 or more in the last 3 months
• Eligible for Rs. 60 total advance (Rs. 30 per transaction)

Also Read:  How to Subscribe to Zong Weekly Internet Packages in Pakistan

How to Get Zong Loan: Step-by-Step Methods

There are four reliable methods to obtain Zong advance balance in 2025. Each method is designed for different preferences and situations.

Method 1: USSD Code (*911#)

The *Zong loan code 911# remains the most popular and fastest method to get an advance loan.

Steps to follow:

1. Open your phone’s dialer
2. *Dial 911# from your Zong prepaid number
3. Press the call button
4. Wait for the confirmation message
5. Your advance balance will be credited within 30 seconds

For a second loan:

• Wait until you receive your first advance balance
• *Dial 911# again to request your second loan (if eligible)
• Confirm the transaction when prompted

Method 2: SMS Method (6911)

The Zong advance loan SMS method provides an alternative for users who prefer text-based transactions.

Steps to follow:

1. Open your messaging app
2. Compose a blank SMS (leave the message field empty)
3. Send the blank SMS to 6911
4. Wait for confirmation message
5. Your loan amount will be credited to your account

Alternative SMS option:

• Type “Rescue” in the message field
• Send to 911 (different from the blank SMS number)
• Follow the same confirmation process

Method 3: My Zong App

The My Zong app loan feature offers a user-friendly interface for managing your advance balance.

Steps to follow:

1. Download the My Zong app from Google Play Store or Apple App Store
2. Install and open the application
3. Log in using your Zong prepaid number
4. Navigate to the “Loan” or “Advance Balance” section
5. Tap the “Get Loan” button
6. Confirm your transaction
7. Receive confirmation notification

For additional loans:

• Return to the loan section after receiving your first advance
• Tap “Get Loan” again for your second advance (if eligible)

Method 4: Customer Service (310)

The Zong helpline loan method involves calling customer service for assistance.

Steps to follow:

1. Dial 310 from your Zong number
2. Press the call button
3. Follow the automated voice instructions
4. Select the advance loan option from the menu
5. Confirm your request when prompted
6. Wait for balance confirmation

Note: This method may consume balance for the call charges.

Zong Loan Charges and Fees 2025

Understanding the Zong advance loan charges is crucial for making informed decisions about borrowing mobile credit.

Standard Advance Loan Charges

Per Transaction Costs:

• Loan amount: Rs. 15
• Service charges: Rs. 4.5 + applicable taxes
• Total deduction on recharge: Approximately Rs. 19.5-21 per transaction

For Two Transactions:

• Total loan amount: Rs. 30
• Total service charges: Rs. 9 + applicable taxes
• Total deduction on recharge: Approximately Rs. 39-42

Super Advance Loan Charges

Per Transaction Costs:

• Loan amount: Rs. 30
• Service charges: Rs. 8 + applicable taxes
• Total deduction on recharge: Approximately Rs. 38-42 per transaction

For Two Transactions:

• Total loan amount: Rs. 60
• Total service charges: Rs. 16 + applicable taxes
• Total deduction on recharge: Approximately Rs. 76-84

Tax Structure

The Zong loan tax includes multiple components that are automatically calculated:

• General Sales Tax (GST): 19.5%
• Advance Income Tax (AIT): 12.5%
• Federal Excise Duty (FED): As applicable

All taxes are automatically calculated and included in the final deduction amount.

Important Terms and Conditions

Before using Zong advance balance, it’s essential to understand the terms and conditions that govern this service.

Loan Limitations

• Maximum loans per recharge: 2 advance loans only
• Loan validity: 30 days from the date of advance
• Simultaneous loans: Only one type of loan can be active at a time
• New SIM restriction: Cannot avail loans for first 30 days after SIM activation

Repayment Requirements

Minimum Recharge Amounts:

• Standard loan customers: Minimum Rs. 50 recharge required
• Super advance customers: Minimum Rs. 80 recharge required
• Automatic deduction: Loan amount + charges deducted automatically upon recharge

Recovery Policy

Zong reserves the right to:

• Automatically deduct outstanding amounts from main account balance
• Recover unpaid loans from related SIMs registered under the same CNIC
• Claw back unutilized loans after 30 days of inactivity
• Block advance services for customers with outstanding payments

Tips for Maximizing Zong Loan Benefits

To make the most of your Zong advance loan experience, consider these expert recommendations:

Smart Usage Strategies

1. Monitor your recharge history to qualify for super advance loans
2. Use advance balance strategically for essential communications only
3. Avoid multiple loans unless absolutely necessary
4. Plan your recharges to cover loan repayments comfortably

Cost-Effective Practices

1. Compare loan charges with emergency recharge options
2. Use the USSD method as it’s the fastest and most reliable
3. Keep track of outstanding loans to avoid service disruptions
4. Recharge promptly to maintain good loan eligibility

Troubleshooting Common Issues

If your loan request fails:

• Check your eligibility criteria compliance
• Verify your recharge history for the last 3 months
• Ensure no outstanding loans exist
• Try alternative activation methods

For balance discrepancies:

• Check loan confirmation messages carefully
• Contact customer service at 310 for clarification
• Monitor your account for automatic deductions

Frequently Asked Questions

Can postpaid customers get Zong loans?

No, Zong advance balance is exclusively available for prepaid customers only. Postpaid users have credit limits built into their monthly plans.

How many times can I take a Zong loan?

You can avail a maximum of 2 advance loans per recharge cycle. After repaying through recharge, you become eligible for new loans.

What happens if I don’t recharge after taking a loan?

Zong can automatically deduct the outstanding amount from your main balance or recover it from other SIMs registered under your CNIC.

Can I use advance balance for internet packages?

Yes, Zong loan balance can be used for calls, SMS, and activating internet packages, just like regular balance.

How long does it take to receive the advance balance?

Zong advance loans are typically credited within 30-60 seconds of successful request through any method.

Is there any penalty for early repayment?

No, there are no penalties for early repayment. The loan amount and charges are automatically deducted on your next recharge regardless of timing.

Conclusion

The Zong loan service remains one of the most valuable features for prepaid customers in Pakistan, offering instant connectivity solutions during emergency situations. With multiple activation methods including the popular Zong advance code *911#, SMS options, and the convenient My Zong app, staying connected has never been easier. Whether you qualify for the standard Rs. 30 advance or the premium Rs. 60 super advance loan, understanding the eligibility criteria, charges, and proper usage strategies will help you make the most of this essential service. By following the step-by-step instructions provided in this guide and adhering to the terms and conditions, you can ensure uninterrupted communication whenever you need it most in 2025 and beyond.