How To Borrow Load In TM Sim? – 3 Easy Ways For TM Utang Load

Ran out of load on your TM SIM and need to call or browse urgently? TM Utang Load lets you borrow load or promos instantly and repay when you reload next. In 2026, you can borrow through *143#, the GlobeOne App, or texting 3733. In this complete guide, you will discover:

  • All easy borrowing methods
  • Updated promo list with many options
  • How to check loan status and repay
  • Eligibility rules, and common problems

What Is TM Utang Load?

To help users stay connected, TM offers a load borrowing service called TM Utang Load. This service lets subscribers borrow regular load or promos when they do not have enough balance. The borrowed amount plus a small service fee is automatically deducted from your next reload.

Types of Load You Can Borrow

TM allows users to borrow different types of load, such as:

  • Regular load – Used for calls, texts, or subscribing to promos.
  • Text promos – Unlimited or bulk SMS packages.
  • Call promos – Unlimited calls to TM/Globe or other networks.
  • Data promos – MB/GB allocation for internet browsing. For example; Borrow ₱15 to get 100MB of data for 2 days.

Methods to Borrow Load In TM 

There are four different ways to borrow load in TM:

  • By Dialing Code *143#
  • Through GlobeOne App
  • By Texting at 3733
  • Using GCash App Method

Dial Code *143#

  • Dial *143# on your phone’s pad.
  • Select the Utang option from the menu.
Dial *143# and select TM Utang Load
  • Choose the type of load you want to borrow (Regular Load, Call/Text/Data Promo).
Regular Load, Call/Text/Data Promo
  • Confirm your request.
  • Wait for a confirmation message.
confirmation message

GlobeOne App

  • Download and install the GlobeOne App from Google Play or the App Store.
  • Log in using your TM number.
  • Look for the Borrow Load or Utang Load option.
  • Select the amount (e.g..PHP 10, 20, 50) or promo you want to borrow.
  • Confirm the transaction.
  • Once the transaction is successful, you’ll receive a confirmation message.

Texting at 3733

  • Open your phone’s Messages app.
  • Compose a new message. Type UTANG and send it to 3733.
UTANG
  • You will receive a confirmation message with the amount you can borrow.
  • Reply with YES to confirm.
  • You will receive another message confirming the borrowed load.

GCash App Method

If you’re a TM user looking to borrow load through GCash, follow these simple steps:

  • Open the GCash app on your mobile phone.
  • Log in using your TM mobile number and MPIN.
  • On the home screen, tap on “Borrow” to explore loan options.
  • Select the “Borrow Load” option from the menu.
  • Click on the “Activate” button to enable the borrow load feature.
  • Follow the prompts to complete activation.
  • Select the amount of load you need.
borrow load
  • Review the terms and conditions before proceeding.
  • Confirm your loan request and proceed with the transaction.
  • Wait for a confirmation message from GCash. Your borrowed load will be credited instantly.

How to Check Your Loan Status

  • Dial *143# and select Utang then check the current status.
  • Or open the GlobeOne App and tap your account then check the loan or Utang section.
  • You will see the borrowed amount, service fee, and due date.

How to Pay Back the Loan?

TM automatically deducts the borrowed amount when you reload.

  • Load any amount (e.g., ₱20, ₱50, or more).
  • TM will deduct the borrowed load plus the service charge.
  • The remaining balance will be available for your use.

You can also pay back by dialing *143# on your phone dial pad. Select “Utang” from the menu and then click on the “Pay Loan” option.  

List of TM SIM Load / Promos

Below is a list of common TM SIM load offers and promos:

Offer

Price

Features

Validity

How to Avail

Utang Load 5

₱5

₱5 regular load

3 days

*143# or text UTANG LOAD5 to 3733

Utang Load 10

₱10

₱10 regular load

3 days

*143# or text UTANG LOAD10 to 3733

Utang Load 15

₱15

₱15 regular load or small data

3 days

*143# or text UTANG LOAD15 to 3733

Utang Load 20

₱20

₱20 regular load

3 days

*143# or text UTANG LOAD20 to 3733

Utang Load 30

₱30

₱30 regular load

3 days

*143# or text UTANG LOAD30 to 3733

COMBOSOS

₱6

2 mins calls + 5 texts

1 day

*143# or text COMBOSOS to 3733

CALLSOS

₱6

2 mins all-network calls

1 day

*143# or text CALLSOS to 3733

TXTSOS

₱6

10 all-network texts

1 day

*143# or text TXTSOS to 3733

MBSOS

₱6

40 MB data

1 day

*143# or text MBSOS to 3733

IDDSOS

₱6

1 min IDD call

1 day

*143# or text IDDSOS to 3733

Utang GOSURF10

₱12

40 MB data + 200 MB for Spotify

1 day

Text GOSURF10 to 3733

Utang GOSURF15

₱15

100 MB data

2 days

Text GOSURF15 to 3733

Utang YOUTUBE5

₱5

20 MB data for YouTube

2 days

Text YOUTUBE5 to 3733

Utang YOUTUBE10

₱10

50 MB data for YouTube

2 days

Text YOUTUBE10 to 3733

Utang UNLIALLNET10

₱10

Unlimited calls & texts to all networks

1 day

*143# or text UNLIALLNET10 to 3733

Utang UNLITXT10

₱10

Unlimited texts to all networks

1 day

*143# or text UNLITXT10 to 3733

Who Can Borrow Load?

You can borrow if:

  • Your TM SIM is active and registered
  • You have used your SIM regularly in the past months
  • You have no unpaid previous loans

New SIMs or users with low activity may not be eligible at first.

Benefits of TM Utang Load

  • Stay connected even when your balance is zero
  • No need to visit a store or load station in an emergency
  • Quick and easy approval for eligible users
  • Can be used for regular load or popular promos
  • Automatic repayment when you reload
  • Helps manage your budget without stress

Common Problems and Solutions

  • Cannot borrow load: Your SIM may be new, have unpaid loans, or low usage.
  • Solution: Reload and use your SIM for a few days, then try again.
  • Borrow request fails: Make sure you have enough credit limit left.
  • Solution: Check your status in the app or dial *143#.
  • Loan not credited: Wait 1–2 minutes and restart your phone.
  • Solution: Contact 808 if it still does not appear.
  • Service fee surprise: A small fee (₱1–₱5) is added to every borrow.
  • Solution: Always check the confirmation message.
cropped Globe sim registration favicon 152x152 1

Conclusion

Borrowing load in TM is a convenient way to stay connected when you run out of balance. Whether you need regular load for calls and texts or specific promos for data and unlimited messaging, TM Utang Load provides an easy solution. 

By following the steps outlined in this guide via SMS, USSD code, or the GlobeOne app you can quickly borrow load whenever needed.

Frequently Asked Questions

Yes, but you must repay previous borrowings first before requesting again.

You won’t be able to borrow load again until you pay. TM can limit the borrowing amount.

Yes! You can register for TM promos using borrowed load as long as the amount is enough.

No, borrowed load cannot be shared with others.

If you’re not eligible, it could be due to:

  • A new SIM that hasn’t met the usage requirement.
  • Unpaid previous loans from TM.
  • Low usage activity in the past months.

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