TM Borrow Load | Complete Guide to TM Utang Load, Promos

TM Borrow Load gives you the convenience of staying connected with your loved ones even when you have no balance. It’s very useful in situations like emergencies—if you’re stuck somewhere, you can still make calls and send messages without worrying about load.

This article is designed to give you complete information about TM Borrow Load and how it works.

What is TM Borrow Load?

Borrow Load is a service that allows TM subscribers to borrow a small amount of load or a promo now and pay for it later, even with a zero current balance. When you reload, the borrowed amount and a small service fee are automatically deducted from your next load.

Why Does TM Offer Borrow Load?

This service fulfills a practical need for every user, as anyone can face an emergency. For example, if your promo expires and there’s no way to buy load, but you need to make an urgent call for any reason, the Emergency Borrow Load or Promo becomes very useful.

In addition, it helps build trust between the user and the TM company.

How to Borrow Load on a TM SIM

There are a total of 4 possible ways to borrow a loan from TM, even with a zero balance, especially in emergencies. You can borrow TM load via SMS, USSD, the GlobeOne or GCash app, and Facebook. Below are the complete details.

1. Borrow TM Load via Text

Follow these steps to get a TM SIM loan via text:

Open Messages, type UTANG, and send it to 3733.
You will receive a confirmation message.

If you are eligible, you will receive a message with the loan details. If you are not eligible for the UTANG Load service, you will receive a message with further instructions.

2. Borrow Load via USSD Code

Borrowing a loan via USSD is also very easy. Follow the steps below:

Dial *143# and press the call button.
A menu will appear. Choose the Utang option from this menu.
Now, choose the loan offer you want to activate.
Press the subscribe button to activate your offer.

3. Borrow TM Load Using GCash

Borrowing TM SIM load via the apps is also very easy. Here is a step-by-step guide for getting a loan via the online apps:

Open the GCash app on your mobile phone.
On the GCash dashboard, look for the Borrow section.
If you don’t see it, tap View All Services and then select Borrow.
Tap on GLoan.
Click the Let’s Go button.
Enter the amount you want to borrow.
Choose or type your loan purpose.
Tap Get This Loan.
Confirm the details.

Using the GCash app, you can request an emergency load whenever needed.

GCash loan application interface screenshots

4. Borrow Load via Facebook

You also have the option to borrow via the Facebook app. Here are the steps:

Open the Facebook app on your TM SIM number.
While using Facebook in Free Mode, tap on the Buy Data or Buy Load option.
Browse the available Utang (borrow) offers.
Select the load or promo you want to activate.
Confirm your choice and register. You will receive a confirmation message once your loan is successfully applied.

Note: The borrowed amount must be repaid later along with the applicable service fee.

List of TM SIM loans/promos

Explore All Available TM Borrow Load & Promo Options.

Promo	Price	Features	Validity	How to Avail
Utang Load 5	₱5	Borrow ₱5	3 days	Dial *143# / Text UTANG5 to 3733
Utang Load 10	₱10	Borrow ₱10	3 days	Dial *143# / Text UTANG10 to 3733
Utang Load 15	₱15	Borrow ₱15	3 days	Dial *143# / Text UTANG15 to 3733
COMBOSOS	₱6	2 mins calls + 5 texts	1 day	Dial *143#
CALLSOS	₱6	3 mins all-network calls	1 day	Dial *143#
TXTSOS	₱6	10 all-network texts	1 day	Dial *143#
MBSOS	₱6	40MB data	1 day	Dial *143#
IDDSOS	₱6	1 min IDD call	1 day	Dial *143#
GOSURF10	₱12	40MB data + 200MB for Spotify	1 day	Text GOSURF10 to 3733
YOUTUBE5	₱5	20MB data for YouTube	2 days	Text YOUTUBE5 to 3733

Other TM UTANG Loan Offers

Code	Offer Details	Cost (₱)	Duration
UTANG LOADS	Get P5 load	6	3 days
UTANG CA10	Unlimited TM/Globe calls + 50 texts to other networks	12	1 day
UTANG YOUTUBE5	20MB of data for YouTube	5	2 days
UTANG GOSURF50	700MB mobile data + 400MB for Spotify	60	3 days
UTANG LOAD25	Get P25 load	30	15 days
UTANG SURFSOS	Borrow 5MB of mobile data	5	1 day
UTANG TIO	Unlimited texts to TM/Globe	12	1 day
UTANG GOSURF15	40MB of data + 300MB for Spotify	18	2 day
UTANG ACAIO	100 minutes of calls + 100 texts to all networks (Davao only)	12	1 day
UTANG C20	20 minutes of calls to TM/Globe + 50 texts to other networks	24	3 days
UTANG UTIO	Unlimited texts to TM/Globe (Visayas, Mindanao, South Luzon only)	12	2 days
UTANG GOSURF10	40MB data + 200MB for Spotify	12	1 day
UTANG C15	10 minutes of TM/Globe calls + 50 texts to other networks	18	2 days
UTANG UP15	Unlimited TM/Globe calls + 100 texts (Mindanao only)	18	1 day
UTANG CUIO	Borrow 100 texts to all networks	12	2 days
UTANG ASTIGFB10	Borrow 100MB for Facebook	12	1 day
UTANG YOUTUBE10	100MB of data for YouTube	12	1 day
UTANG GOOGLE5	20MB of data for Google	5	2 days
UTANG LOAD40	Get P40 load	48	15 days
UTANG WATTPAD5	20MB for Wattpad usage	6	1 day

How to Repay TM Utang Load

The borrowed load will automatically be deducted from your next reload. This will only not happen if your account balance is lower than the loan amount.

There is also an easy way to manually repay your Touch Mobile loan. Follow these steps:

Dial *143# on your TM SIM and select Utang from the menu.
Choose the Pay Utang option.
Confirm the loan payment. The amount will then be automatically deducted from your SIM load.

Note: To successfully pay your loan, make sure your balance is greater than the loan amount.

How to Check TM SIM Loan Status

Checking your TM loan status is quick and easy. Follow these simple steps:

Dial *143# on your phone and select the “Utang” option from the menu.
Choose “Status” to view your loan information.
You’ll see two options:
- Utang Status—for general loan details.
- Utang Promo Status—to check the status of your borrowed promo.
Alternatively, you can send a text message with UTANG <KEYWORD> BAL to 3733. You’ll receive a reply with all your loan details.

How to Unsubscribe from TM Borrow Load or Promo

There are two simple ways to unsubscribe from TM Utang Load:

1. Via SMS:

Type STOP UTANG <KEYWORD> and send it to 3733 to deactivate the promo.
Example: To cancel UTANG T10, send STOP UTANG T10 to 3733.

2. Via USSD:

Dial *143# and select Utang from the menu.
Choose Unsubscribe, and you will see a list of your active promos.
Select the promo you want to cancel.
You will receive a confirmation message once the promo has been successfully canceled.

Basic Eligibility & Conditions

For TM Borrow Load, there are certain conditions and eligibility requirements, which are detailed below:

Even if your balance is zero, you may still borrow—provided you don’t already have an outstanding loan.
Eligibility for specific denominations/promos depends on your subscriber history (how long you’ve been on TM and whether you’ve been paying/repaying on time).
Only one loan may be active at a time. You cannot borrow again until you’ve fully repaid the previous one.

Cost and Service Fee

A service fee of about 20% over the standard rate is charged. Example: borrow ₱10 → repay ₱12.
During special circumstances (like during COVID-19 quarantine), TM/Globe offered up to ₱50 loans without service fees.

Pros and Cons

Pros	Cons
Emergency connectivity	You’ll pay extra
Simple process	One active loan at a time
Flexibility	Eligibility constraints
Convenience:
Better than being “out of service

FAQs

The TM Borrow Load service allows you to make calls, send texts, or use data even with zero balance and without any active promo. You can borrow loads or register for a promo during any emergency without asking anyone for help.

All the TM users can borrow from the TM loan offers. There are also different loan offers depending on the eligibility of the user.

You can register for this offer via the GlobeOne app, via text, via USSD, or through Facebook Free Mode. You can choose any method that is easiest for you.

Yes, you can register for the Utang offer using the GlobeOne app. In fact, using the app is the best option because it provides the latest and most updated information about Utang offers.

Yes, the TM Borrow service is available 24/7, so you can borrow anytime.

Yes, you can also borrow loads up to ₱90 and promos like EasySurf, but keep in mind that it depends on your eligibility.

No, you can’t use this service abroad. You can only take advantage of this service in the Philippines.

You can pay for the borrowed load or promo the next time you load your TM number. The borrowed amount, along with a small service fee, will be automatically deducted from your next prepaid load.

The Utang service will soon allow part of your promo data to be used automatically to repay your loan. To pay now, load enough and text “PAY UTANG” to 3733. This new feature has NTC approval, and you’ll be notified once it’s implemented.

Don’t worry, Ka-TeaM! TM only deducts payment once every 24 hours. Any extra top-ups during that time won’t be charged again.
You can use your TM SIM if you can’t pay your loan balance. Your SIM won’t be blocked, but you won’t be able to take another loan until you pay the previous one.

If your loan remains unpaid, you’ll get a text from 3733 showing the date when the automatic deduction will start. This will only occur if your balance hasn’t been cleared by that date.

Don’t worry, there is no additional interest. The TM borrow load service fee is fixed.

Yes! Once you’ve paid off your first loan, you can grab another promo or take out a new balance loan anytime.

Yes, you can unsubscribe from the Utang service. Follow these simple steps:

Type the correct promo keyword and send to 3733 using this format:
STOP <space> PROMO KEYWORD
Example: STOP UTANG EASYSURF30 or STOP COMBOSOS

If you borrow through the GlobeOne app from Globe Telecom, you’ll pay the borrowed amount plus a minimal service fee, and when you use the app specifically, you only pay a ₱1 service fee on any loan offer.

Conclusion

TM Borrow Load is an easy way for TM subscribers to get instant access to load or promos, even at zero balance. This service will keep users connected in times of an emergency by making calls, sending texts, or using data, while the borrowed amount, together with a small service fee, is deducted automatically from the next prepaid load.

From my experiences, TM Borrow Load has indeed proved very useful in unexpected situations—be it urgent calls, messages, or data when one’s balance is short. It is convenient and hassle-free: it keeps me connected anytime, anywhere. And it will definitely be handy for any person in case of an emergency.