How to Activate Fuliza MPesa, Get Loan, Repay and Increase Limit

by | Jun 2, 2023 | TECH | 31 comments

Fuliza loan is a Safaricom M-Pesa overdraft service that allows you to complete M-Pesa transactions even with insufficient funds in your M-Pesa account, subject to a given limit. Once activated, you can fuliza Mpesa to someone else or even buy goods and services and pay bills using the Lipa na M-Pesa services.

That is if you wanted to send money or buy something and you realize you do not have enough cash, you can use fuliza M-Pesa service to fund the balance.

Fuliza has zero interest for the first 3 days, so long as you repay it within this time. You can Fuliza as many times as you need, provided you are within the allocated Fuliza M-PESA limit.

Every Mpesa line you have registered is treated as a different Fuliza account with its own separate limit. The limit is reviewed every 3 months.

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How to Activate Fuliza on Your M-Pesa Line

To qualify for fuliza loan, you should have a registered M-Pesa line, and the line must have been active for the last 6 months.

To register and opt in for the fuliza loan facility:

  1. Dial the Fuliza USSD code *234# on your M-Pesa line
  2. Select Fuliza M-Pesa to opt in
  3. You have now registered and activated Fuliza on your line

How to Opt Out of Fuliza

Sometimes you are not happy with Fuliza and may want to opt-out.

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To deregister completely from Fuliza loan service, you simply do the following:

  1. Dial *234# on the M-Pesa line you activated Fuliza on
  2. Select Fuliza M-Pesa
  3. Next, select Opt out
  4. You can no longer use Fuliza M-Pesa on this line unless you activate the service again

Take note that you can only opt out of Fuliza if you have repaid your outstanding fuliza balances.

How to Check Your Fuliza Limit and Balance

To know your Fuliza limit and balance read the article How to Check Your Fuliza Mpesa Limit and Balance, for more information.

How to Pay for Goods and Services Using Fuliza Mpesa

To use Fuliza M-Pesa, you just need to transact normally on M-PESA, like paying bills or using a buy goods till number.

If you have insufficient funds, Fuliza M-PESA will cover the shortfall.

Take note that the transaction cannot complete if the Fuliza balance is not sufficient to cover the transaction as well as the M-Pesa cost of the transaction.

Paybill numbers for banks in Kenya, Kenyan banks lipa na Mpesa services

Fuliza any bill using Lipa na Mpesa.

Follow these steps to pay for goods and services using fuliza:

  1. Go to M-Pesa menu or dial *334#
  2. Select Lipa na M-Pesa
  3. Now, select Buy Goods and Services
  4. Enter Till Number and Send
  5. Enter Amount you want to pay
  6. Enter your M-Pesa PIN
  7. Confirm details and select Accept
  8. If your funds are not enough, you will see Fuliza pop up message
  9. Accept to Fuliza and Send to complete to payment.
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How to Fuliza Money to Another Number

It is not possible to withdraw money from fuliza directly.

However, you can send the money to a nearby friend or family member and ask them to withdraw the money for you.

You can also visit your nearest MPesa agent and Fuliza to the number given by the agent. You only have to pay them the normal M-Pesa withdrawal charge depending on the amount.

To fuliza to another number:

  1. Go to the MPesa menu and select Send Money
  2. Enter the phone number you want to fuliza to
  3. Enter the Amount and then your Mpesa PIN
  4. A notification will show up on the screen indicating you have insufficient funds, and whether you want to fuliza the remaining balance.
  5. Select the option Accept, and then Send.
  6. Confirm the recipient details and finish the transaction.

How to Repay Fuliza Loan

You do not need to go through lengthy processes to repay your fuliza loan.

Any funds received or deposited in your M-PESA account will automatically be used to clear your outstanding Fuliza M-PESA.

So, all you have to do is deposit into your M-Pesa account or receive money. The Fuliza loan plus the interest will be deducted automatically.

Business man using fuliza MPesa.

Business man using fuliza.

Penalties for Not Repaying Fuliza

Penalties for not repaying Fuliza balances after 30 days include not being able to access your M-Shwari and KCB M-Pesa accounts and freezing of your Fuliza M-Pesa limit until you repay the balance.

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How to Increase Fuliza Limit

You can grow your Fuliza limit by using Safaricom and M-Pesa services frequently and repaying fuliza loan on time by topping up your M-Pesa account.

To find out how to increase your Fuliza limit read: Simple Steps to Increase Fuliza Limit.

Fuliza M-Pesa Interest Rates and Service Charge

With Fuliza, the minimum you can transact is Sh. 1 up to a maximum of Sh. 70,000. Currently, Fuliza charges maintenance fees as shown in the table below:

Tariff Band New Daily Maintenance Fee
1 – 100 0.00
101 – 500 Free for first 3 days, Ksh. 2.50 after
501 – 1,000 Free for first 3 days, Ksh. 5.00 after
1,001 – 1,500 Ksh. 18.00
1,501 – 2,500 Ksh. 20.00
2,501 – 70,000 Ksh. 25.00

Remember, the normal M-Pesa transaction charges still apply to any MPesa transaction you make with Fuliza.

How to Contact Safaricom Fuliza Customer Care

Any queries about fuliza can be channeled to Safaricom’s customer care contact number 100, or chat with Zuri on Telegram or Whatsapp on this number: 254722000100.

See also:

  1. How to Apply and Repay Zenka Loan Via App and USSD Code
  2. Tala Loan App, How to Apply Loan, Repay, Interest Rates

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  1. Lemon lengees

    my fuliza is declining to opt in,help me

    • Rose


    • samuel mwaniki

      How much can I fuliza

    • Lilian Shinganile

      My menu has no opt in

      • Ezekiel M

        You need to transact on M-pesa often to qualify for fuliza and increase limit.

  2. John ojiambo dasia

    I have been trying to activate my filial account but it’s not responding

    • Fedelis

      Opt in
      Nili opt out na Nika opt in ikaleta Shinda afunguki I hag hopo kwa opto in

  3. Jane Njoki

    Good Morning,

    My fuliza limit does not go up despite the fact that I transact using mpesa. What can I do to increase the limit?

    Looking forward to your assistance

    Thank you

    • Zablon odabu ogesare

      Hi am zablon odabu i have a problem with my fuliza i was having a limit of 1500 on fuliza but when I opt out and opt in my fuliza limit became 0.00 on my line of 0705068429 why can you please help me with this

    • Dancan Karuti

      please somebody to help me mine is saying zero and I don’t have any other loans

  4. Timothy

    Fuliza yangu limit ni00.0

    • Timothy

      Ni Kwa nini limit yangu iko00 na SINA deni. Na mbele nilikua na limit ya 500 nikatoka kuingia tena ikakataa sababu nini na mi no mteja wenu

  5. cheruiyot

    I am Philip cheruiyot,I need your assistance,; my fuliza limit was sh.1500 , I opted out and opted in as away of increasing my limit but limit was reduced to zero.Being a loyal customer I plead for assistance.

  6. Evans Mutua Maweu

    I am Evans Maweu,I need your assistance,; my fuliza limit was sh.500 , I opted out and opted in as away of increasing my limit but limit was reduced to zero.Being a loyal customer I plead for assistance

    • Emiliana mwandewe

      My also came ziro because I I opot ut

  7. Beatrice Akinyi Meso

    Please am trying to opt in fuliza mpesa but it’s declining how can I be helped

  8. Ian wasari

    Am ian wasari I want to fuliza

  9. Sarafina waithera kimori

    Am sarafina waithera kimori why is my limit ever zero yet am a frequent user of mpesa

  10. Mwangangi muli

    Asking my fuliza limit back again

  11. Meshack musumba

    My limit has never grow and I started using mpesa along time ago please help

  12. Felix ochieng

    It’s good

  13. Napolos Ntiyani

    Hello! My name is Napolos Ntiyani! Am requesting that you please consider my concern because I used to have a a fuliza limit of 1500 but due to an affordable circumstance of having a child who is opening school tomorrow,I tried to opt out so as to I can increase my limit to 2500 so as to get enough money for child to get transport and shopping as she goes back to school but unfortunately my limit decrease by 1000,, please consider me as your loyal customer,,I had no other options since the economy has really been so difficult. Am requesting for a positive feedback and I promise that I will always pay as early as possible.

  14. Dancan Karuti

    please let me know why do I have zero limit in fuliza

  15. Charles phiri

    It’s impressive

  16. Charles phiri

    Please assist me how to get a fuliza mpesa loan

  17. Wicklyfe

    Why is my fuliza limit 00 after opting out and then in. I used to do fuliza and repay back on time

  18. fredrick nganga wangui

    am tryng to opt in fuliza bt falls and its informing me to go with ID card to safaricom shop plese help

    • Daniel kipya

      I ama trgng to opt in fuliza but fall and it’s informing me To go with ID card to Safari on shop

  19. peter asfuon

    l opt out when opt in my limit back 0 why ineed help

  20. Justus Misangia

    Am Justus Misangia. My fuliza limit was 1500. When i opt out for the first time my limit decreased to 500. Again, when i opt out for the second time it decreased again to zero limit. Please help me know how to icrease it back ot 1500 as a regular customer.

  21. Lucia naserian saitoti

    Why my fuliza amount don’t increased why


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