A new study has revealed that telecom subscribers in Nigeria and other African markets borrowed an estimated ₦4.6 trillion worth of airtime credit in 2025, reflecting a growing reliance on advanced airtime services amid rising living costs and cash flow constraints.
Rising dependence on airtime loans
The figure highlights the expanding use of “borrow-to-call” services offered by mobile network operators, which allow customers to access airtime on credit and repay upon subsequent recharge. Industry analysts say the surge underscores both increased demand for connectivity and the financial pressure facing millions of users who struggle with immediate cash availability for communication needs.
Prepaid subscribers drive the trend
The trend has been driven by prepaid subscribers who form the bulk of telecom users in Nigeria, as well as similar credit-based airtime systems across other African markets where mobile communication remains essential for daily economic activity. Telecom operators continue to expand airtime advance services as part of efforts to maintain customer access to voice and data services, particularly among low-income users.
Economic strain beneath the surface
However, experts warn that rising dependence on borrowed airtime could indicate deeper economic strain, as consumers increasingly rely on credit-based consumption for basic communication needs. The development also reflects the central role of mobile connectivity in business transactions, social interaction, and access to digital services across the region.
Future outlook
Operators are expected to further refine repayment models and credit limits as demand for airtime loans continues to grow. The study underscores the dual reality of connectivity as both a necessity and a financial burden for many African consumers.
