Your balance finished in the middle of an important call, and there is no shop nearby. That is exactly what Ufone’s advance balance service is for. This guide explains how to take a loan in Ufone step by step, what it really costs, why some numbers are not eligible, and the mistakes that make people lose more balance than they expected. Every code and fee below was checked on ufone.com on 12 November 2026.
Ufone Loan Code and Charges 2026
| Advance (Rs) | Service fee 30% (Rs) | Total deducted on recharge (Rs) |
|---|---|---|
| 20 | 6 | 26 |
| 30 | 9 | 39 |
| 40 | 12 | 52 |
| 50 | 15 | 65 |
| 60 | 18 | 78 |
Code: *456# (prepaid). Helpline: 333 from Ufone, or 033-11-333-100. Fees are inclusive of tax, as published by Ufone.
How to Take Loan in Ufone (Step by Step)
- Check that your balance is zero or nearly finished. UAdvance is meant for prepaid users who have run out of airtime.
- Dial *456# from the Ufone SIM you want the advance on and press call.
- Read the menu. Ufone shows the advance amounts you are eligible for, usually starting with the highest one.
- Select the amount by replying with the option number (for example 1 for Rs 60).
- Confirm. You receive an SMS and the balance is added instantly.
- Use it for calls, SMS, mobile data, international calls, roaming or VAS subscriptions.
- Repay by recharging. On your next recharge, Ufone deducts the advance plus the 30% fee automatically. Only after that can you take a new advance.
How to Get Ufone Loan Without Balance
People often search “ufone loan without balance”. The good news: you do not need any balance to use *456#. The service is built for customers whose airtime has finished. What you do need is eligibility. Ufone says it uses machine learning to decide this from your network life, recharge history, usage and recharge pattern, and whether you repaid earlier advances. A brand-new SIM or a number that is rarely recharged may see no offer at all.
Who Is Eligible for Ufone Advance?
- Ufone prepaid and top-up customers only.
- Numbers with regular usage and recharges over time (exact days are not published).
- No unpaid UAdvance on the number: only one advance at a time.
- Eligibility can rise or fall: repay on time and recharge regularly to keep higher amounts available.
How to Increase Your Ufone Advance Limit
- Recharge regularly instead of in rare large amounts.
- Repay every advance quickly (the next recharge clears it).
- Keep using the SIM as your main number for calls and data.
- Avoid frequent SIM swaps, which Ufone lists among the data it considers.
Common Mistakes and Warnings
- Forgetting the fee: 30% is expensive for small amounts. Rs 60 costs Rs 18. Use advance only in emergencies.
- Recharging a small amount: if you recharge Rs 50 after taking Rs 60, the whole Rs 50 can go towards the Rs 78 you owe, leaving you with nothing. Recharge at least the total deduction plus what you need.
- Fake “Ufone loan” calls and SMS: Ufone never asks for your PIN, OTP or CNIC photo to give advance. Advance comes only through *456#.
- Confusing airtime advance with cash loans: UAdvance is mobile balance, not money in your account. For cash, see personal loan in Pakistan or microfinance banks, and avoid unlicensed loan apps.
Ufone Advance vs Other Options
If you need more than Rs 60, mobile balance advance is not the answer. Small cash needs are better met through regulated lenders. Our loans guide for Pakistan compares bank loans, government schemes and microfinance, with the real cost of each.
Need help choosing a loan?
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Related: need more than a few rupees of balance? Compare personal loans in Pakistan, the interest-free PM Youth Loan, instant loans from digital banks, or plan your budget with our free calculators.
FAQs
What is the Ufone loan code?
The Ufone loan (UAdvance) code is *456#. Dial it from your Ufone prepaid number when your balance has run out.
How much advance does Ufone give?
Between Rs 20 and Rs 60, depending on your eligibility. Ufone shows you the highest amount you qualify for.
What is the Ufone advance service fee?
30% of the advance, inclusive of tax. For example, a Rs 60 advance costs Rs 18, so Rs 78 is deducted on your next recharge.
Can I get a Ufone loan without balance?
Yes. UAdvance is designed for prepaid customers who have run out of airtime, so you can dial *456# even with zero balance.
Why can I not get a Ufone advance?
Eligibility is decided automatically from your network age, recharge and usage history and repayment record. You also cannot take a new advance while an old one is unpaid.
Can postpaid Ufone users take an advance?
The UAdvance terms on ufone.com are for prepaid and top-up customers. Unpaid UAdvance must be cleared before moving to a postpaid package.
FAQs (Roman Urdu)
Ufone se loan kaise lein?
Apne Ufone prepaid number se *456# dial karein, jo advance option aaye (Rs 20 se Rs 60) usay select karein. Balance foran mil jata hai.
Ufone advance ke kitne paise katte hain?
Advance ka 30% service fee (tax samet). Rs 60 lene par agli recharge par Rs 78 katenge.
Ufone loan without balance kaise milta hai?
UAdvance usi waqt milta hai jab balance khatam ho. Zero balance par *456# dial karein.
Ufone advance na mile to kya karein?
Pehla advance wapas karein (recharge karein), kuch din regular recharge aur use karein, phir dobara try karein ya 333 par call karein.