Recharging by exactly the amount you owe on a Du emergency loan leaves you with a zero balance the moment repayment clears — recharging for more than the loan is the only way to actually have usable credit afterward.
Quick answer
Dial *135# to see your overall balance, which includes any outstanding loan amount, or check the detailed breakdown in the Du app → Balance → Loan Details.
Why your balance can look wrong after recharging
Du’s loan repayment is fully automatic: the moment you recharge, the loan amount plus a service fee is deducted first, and only what’s left becomes usable balance. Recharge exactly AED 10 to repay a AED 10 loan, and you’re left with nothing to actually use.
The fix
Recharge for noticeably more than the outstanding loan amount — check it via *135# first — so there’s usable credit left over after the automatic deduction.
Taking a new loan
You can’t take a new emergency credit advance while a previous one is still outstanding; recharge to clear it first.
Verified against du’s official emergency credit guidance, August 2026.
Step-by-Step Guide
- 1
Check loan status
Dial *135# for your overall balance which shows any outstanding loan amount.
- 2
Check in app
Open Du app for detailed breakdown of loan balance and pending repayment.
- 3
Repay via recharge
Recharge your Du line. Loan is auto-deducted. Recharge MORE than the loan amount to have usable credit.
Alternative Methods
Dial *135# from your phone dialer.
Du App > Balance > Loan Details
du.ae > My Account
Troubleshooting
Can't take new loan
You have an existing unpaid loan. Recharge to repay it first, then you can take a new advance.
Recharged but balance still low
Your loan was auto-deducted from the recharge. Check *135# for the breakdown.
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Frequently Asked Questions
How is the Du loan repaid?
Automatically — when you recharge, Du deducts the loan amount plus fee before crediting your balance.
Can I take multiple loans?
No, repay the existing one before requesting another.
I recharged but my balance is still low — why?
Your loan was auto-deducted from that recharge. Check *135# to see the breakdown of what was repaid versus what's left.
What's the loan service fee?
A small fee applies per loan, deducted at repayment along with the loan amount itself.