How to get SCOM Advance Balance? SCOM Loan Code

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Whether you are traveling through the remote valleys of Neelum or working in the heart of Gilgit, running out of mobile credit can be a major hurdle. To solve this, the Special Communications Organization provides a “Qarz” or advance service. Using the official scom loan code, users can get an immediate balance boost to make urgent calls or activate small data bundles.

What is the SCOM Loan Code?

The official USSD code to request an advance balance from SCOM is *135#. This service is available to all SCOM prepaid customers across Azad Jammu & Kashmir and Gilgit-Baltistan.

How To Get SCOM Loan (Step-By-Step)

Follow these simple steps to receive your emergency credit:

Open your mobile phone’s Dialer.
Type the scom loan code *135#.
Press the Call button from your SCOM SIM.
A menu will appear; select the option for Advance Balance.
You will receive a confirmation message, and the loan amount (usually Rs. 15 to Rs. 30) will be credited to your account.

Eligibility Criteria for SCOM Advance

Not every user can dial the scom loan code at any time. To qualify for the scom loan, you must fulfill the following requirements:

Low Balance: Your current account balance must be less than Rs. 10.
Active SIM: Your SIM card must have been active for at least 30 days.
No Pending Loan: You must have cleared any previously taken SCOM loans.
Usage History: Regular rechargers are prioritized for higher loan amounts.

To manage your SCOM SIM more effectively and avoid running out of credit again, check out your related packges you may need

Stay Connected: For the best value, we recommend switching to SCOM Weekly Call Packages which offer 7 days of tension-free minutes.

All-in-One Solution: Most residents prefer the SCOM Monthly Call Packages (Super Cards) because they include data, minutes, and SMS in a single load.

Service Charges and Repayment

It is important to note that an scom loan is not free. SCOM charges a small service fee for providing this emergency facility.

Loan Amount: Typically Rs. 20.
Service Fee: Approx. Rs. 3 to Rs. 5.
Total Deduction: The next time you load a card or get an Easyload, SCOM will automatically deduct Rs. 23 to Rs. 25 from your account.

Frequently Asked Questions (FAQs)

How Many Times Can I Take An SCOM Loan?

You can take one loan at a time. Once you repay the previous loan through a recharge, you become eligible to use the scom loan code again.

Why Is My SCOM Loan Request Being Rejected?

Common reasons include having a balance higher than Rs. 10, a new SIM that hasn’t met the 30-day age requirement, or an unpaid previous loan.

Can I Use The SCOM Loan For Internet Packages?

Yes, once the loan amount is added to your main balance, you can use it to subscribe to small SCOM Daily Internet Packages or make calls.

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Muhammad Saif Ul Islam

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