iBorrow is an app that allows you to buy airtime from all mobile networks in Ghana. For every GHS 100 worth of purchases on the app, you earn 1 point. Every point earned can be used as collateral to borrow airtime from any network. Points earned from one network can be used to borrow airtime on another network. When you subscribe to iBorrow and borrow airtime on credit, airtime is deducted from your mobile account at GHS 0.50 daily till the borrowed airtime is repaid. There is no interest charged on the airtime borrowed.