Borrow Load In TM | Utang Load TM/ Globe

Utang load TM helps you stay connected even when you have zero balance. You can borrow TM load or promos through the GlobeOne app, by sending a text to 3733, or by dialing *143#. The borrowed load, along with the service fee, will be automatically deducted from your next reload. Below is the detailed guide about TM utang, eligibility, service charges, and repayment.

I recently used TM Utang when I ran out of load before an important call. After texting the COMBOSOS keyword to 3733, the promo was activated within seconds. The service fee was automatically deducted from my next ₱50 reload.

TM Borrow Load banner with a red speech bubble, “Get Now” button, and two smiling Filipino people holding phones.

How To Borrow Load on TM/Globe

There are several official ways to borrow TM load. You can use any of these methods to borrow load in Globe and TM.

Utang TM Load Via GlobeOne App

Here is how to borrow money online using the GlobeOne app:

Open the GlobeOne app on your phone
Tap the “Buy” icon at the bottom of the screen
Select “Buy TM Promos”
Type “Loan” or “Utang” in the search bar
Choose an available Utang offer and continue

Via Text

Here is how to borrow money via text (SMS):

Open your phone’s Messages app
Type the promo keyword
Send it to 3733
Wait for the confirmation message
Start using the borrowed load or promo

**Via *143#**

Here is how to get a loan using 143#:

Dial *143# on your TM phone
Select “Utang” from the menu
Choose the offer you need
Tap “OK” to confirm

Also check: Subscribe to TM SIM best promos (Easy plan 150 and ES 50) and stay connected.

Available Loans

Globe Telecom offers various loan promos to TM and Globe users. These loan promos contain both data and regular balance for calls, internet, and SMS. Here is the list of available loan offers along with the price and validity period:

Promo Name	Description	Price	Validity
COMBOSOS	2 minutes of all-net calls and 5 all-net texts	₱6	1 day
CALLSOS	3 minutes of all-net calls	₱6	1 day
TXTSOS	10 all-net texts	₱6	1 day
MBSOS	100 MB mobile data	₱6	1 day
IDDSOS	1 minute of IDD call to selected countries in the Middle East, Europe, North America, and the Asia Pacific	₱6	1 day

Promo details and pricing are sourced from official Globe and TM sources as of June 20, 2026. Always confirm current offers through the GlobeOne app.

Also check: How to convert TM load to GCash.

Eligibility Criteria

Here are the details about loan eligibility:

Your TM SIM registration must be completed, and you must be an active TM prepaid subscriber.
Your TM number should have no serious unpaid balance from previous Utang load or promos.
You must have used your TM SIM for at least the minimum required period set by TM (usually a few days since activation).
Your account must be in good standing with no recent violations or blocked status.
Eligibility may vary, and TM may offer different loan options depending on your usage history and account activity.

Note: A detailed guide about how to get TM SIM PUK code.

How to Repay The TM Utang Load?

Paying back your borrowed TM load or promo is easy. You can pay in full, manually, or even in small parts.

Full Payment:

Load an amount equal to or higher than your borrowed load or promo plus the service fee.
TM will automatically collect the payment.
You’ll get a confirmation text from 3733 once it’s paid.

Manual Payment:

If you already have enough load, text PAY UTANG to 3733.
Payment is processed immediately.

Partial Payment / Installments:

If your top-up is smaller than the total loan + fee, TM will collect what you loaded.
The remaining balance stays until your next top-up.

Paying with Data (from Jan 2026):

When you buy a data promo, part of your open-access data can automatically pay your Utang.
Only up to 50% of the data will be used, so you still have enough for personal use.

Here is how data is converted into a balance:

Loan Type	₱1 Equivalent
Emergency or SOS Loans (MBSOS, TXTSOS, IDDSOS, COMBOSOS, CALLSOS)	20 MB
Other loan offers	100 MB

Note: TM Utang has no interest, only a small service fee. You can borrow loans or promos and pay them back easily. It’s simple, safe, and hassle-free.

Benefits Of Utang Load In TM

Here are the benefits of the TM load and promo borrow service:

With TM Borrow Load, you can keep calling, texting, or using the internet even when you run out of load.
Borrowing load or promos is quick and easy through the GlobeOne app, by texting 3733, or dialing *143#.
You can pay back in full, in small installments, or even use part of your data to settle your borrowed load or promo.
There is no interest, only a small fixed service fee for each borrowed load or promo.
Once you fully pay your balance, you can borrow load or promos again whenever you need. If you are facing slow internet issue, use best TM APN settings and enjoy smooth connection.

FAQs

It is very easy to pay back your borrowed loan. You can pay in full by topping up an amount equal to or higher than what you borrowed plus the service fee. You’ll get a confirmation text from 3733 once it’s collected. You can also pay manually by texting PAY UTANG to 3733, or make partial payments through your next top-up.

You can borrow TM load in a few ways. Open the GlobeOne app, go to Buy TM Promos, and search for “Loan” or “Utang.” You can also text the promo keyword to 3733 or dial *143#, select “Utang,” and pick the offer you want.

To check how much you need to pay for your borrowed load or promo, open the GlobeOne app. Go to Loan Details to see your balance and payment history. You can also text UTANG STATUS to 3733 or dial *143#, select “Utang”, then “Status” to check your remaining balance.

No, there’s no additional interest if you don’t pay right away. You only need to pay the fixed service fee for your borrowed load or promo. You can repay anytime without worrying about extra charges.

No, the TM Utang service can only be used within the Philippines. It won’t work if you’re outside the country.

Conclusion

TM Utang load helps the users to stay connected even with zero balance. You can borrow load or promos using the GlobeOne app, by texting 3733, or dialing *143#. You can repay in full, in small installments, or even use part of your data. There is no interest, only a small service fee. It is quick, safe, and hassle-free for all TM users.

Utang TM Load – Borrow Load In TM And Stay Active