Fuliza enables M-PESA users to finish transactions. It kicks in when your balance runs short. You borrow to bridge the gap. Safaricom introduced Fuliza in 2019. It now outshines other lending services in Kenya. It tops M-Shwari and KCB M-PESA. Loans were designed for a week. Now, users often stretch them to two weeks. This saves many during financial crunches.
| Fuliza Key Details | Information |
|---|---|
| Eligibility | M-PESA users with national ID, Kenyan passport, or military ID; 6+ months active |
| Opt-In Process | Dial *334#, select Loans and Savings, choose Fuliza, opt in |
| Loan Duration | 4–14 days |
| Fees | 1% access fee + daily maintenance fee at midnight |
| Uses | Send money, pay bills, buy airtime, Lipa Na M-PESA |
| Limit Growth | Use Safaricom/M-PESA, repay loans promptly |
| Reference | Safaricom Fuliza |
What Is Fuliza and How Does It Work?
Fuliza covers various needs. Send cash to anyone. Pay for shopping. Buy airtime. You can borrow often within your limit. To join, dial *334#. Choose Loans and Savings. Select Fuliza. Opt in. Your limit depends on your activity. Use M-PESA frequently. Clear loans fast. Your limit will climb.
After opting in, Safaricom sets your limit. It’s based on your M-PESA and Safaricom usage. Active users get higher limits. Repay loans by topping up M-PESA. Safaricom sends updates when your limit grows. For example: “Dear Brian, your Fuliza limit is now KSH 1500.”
Why Fuliza Stands Out
Fuliza offers unmatched flexibility. Borrow as often as needed within your limit. Use it for multiple transactions. Send money to registered or unregistered users. Pay bills via Lipa Na M-PESA. Buy airtime through USSD or the M-PESA app. This versatility makes Fuliza Kenya’s top choice. It outranks M-Shwari and others.
You pay a 1% access fee. A daily maintenance fee starts at midnight. These fees are clear. Repay loans quickly to avoid extra charges. Timely payments also help grow your limit.
Steps to Increase Your Fuliza Limit
To grow your limit, stay active. Use Safaricom and M-PESA services. Repay loans on time. Below are practical steps to boost your Fuliza limit.
Step 1: Use Safaricom Services Regularly
Your limit depends on activity. Make calls. Send texts. Buy data bundles. Safaricom tracks these actions. Regular use signals reliability. It increases your chances of a higher limit.
- Make frequent calls: Regular calls show active usage.
- Send texts: Even small messages count.
- Buy data or airtime: Purchase bundles via M-PESA.
Step 2: Transact Often with M-PESA
M-PESA usage is key. Send money. Pay bills. Buy airtime. Each transaction boosts your score. Safaricom reviews this. More activity often means a bigger limit.
- Send money: Transfer to any user.
- Pay bills: Use Lipa Na M-PESA for utilities or shopping.
- Buy airtime: Purchase for yourself or others.
Step 3: Repay Fuliza Loans on Time
Repaying loans is critical. Top up M-PESA to clear your balance. Late payments hurt your limit. Quick repayments show responsibility. Safaricom rewards this with limit increases.
- Top up M-PESA: Add funds to settle your overdraft.
- Check balance: Dial *334# to track your debt.
- Repay early: Clear loans to avoid extra fees.
Step 4: Maintain an Active Safaricom Line
Your line needs six months of activity. New users get a zero limit. Keep your line active. Avoid long inactive periods. Safaricom monitors this. Active lines qualify for better limits.
- Avoid SIM swaps: Use one active line.
- Stay connected: Make calls, send texts, or use data.
Step 5: Monitor Limit Notifications
Safaricom sends limit updates. Check these messages. They show your current limit. They confirm when it grows. Use your new limit wisely.
Common Questions About Fuliza Limits
Who Qualifies for a Fuliza Limit?
M-PESA users with a national ID, Kenyan passport, or military ID qualify. Your line must be active for six months. Foreign passport holders cannot opt in.
How Do I Check My Fuliza Limit?
Dial *334#. Select Loans and Savings. Choose Fuliza. View your limit. Safaricom also sends SMS updates.
Why Is My Fuliza Limit Zero?
Your line might be active for less than six months. Increase Safaricom and M-PESA usage to qualify.
How Often Can I Use Fuliza?
Borrow multiple times within your limit. Repay to free up your limit for reuse.
What Happens If I Don’t Repay Fuliza?
Unpaid loans add daily maintenance fees. Late payments may lower your limit. Repay quickly to avoid this.
Tips to Avoid Fuliza Pitfalls
Fuliza is useful but needs caution. Don’t borrow more than you can repay. Check fees before borrowing. The 1% access fee and daily maintenance fee add up. Plan repayments. Top up M-PESA within days. This avoids extra costs. Track your limit with *334#. Stay in control.
Why Growing Your Fuliza Limit Matters
A higher limit gives flexibility. Cover larger expenses. Manage emergencies better. It shows Safaricom trusts you. Use services often. Pay loans on time. Your limit will grow steadily.
