Since Safaricom introduced Fuliza Loan, it has helped many Kenyans to complete their transactions without having enough money in their account.
You can not withdraw this money but you can send them to someone or use it to pay bills. This is an overdraft you are given and you are required to pay it as early as possible.
To increase your Fuliza limit, you need to register as early as possible. Do not wait until the time you are needed, do it early. To register dial *234# and follow the subsequent options.
After opting in, Safaricom now uses some factors to determine your limit. Once you are aware of the factors Safaricom uses, your fuliza limit is going to increase greatly.
Do not be worried that your limit is very small, you can change it in a month or two if you follow these instructions.
How to Qualify Fuliza MPESA
Like every other overdraft service, Fuliza has specific terms and conditions that you’ve to meet to qualify for the service. For example, you must be an active MPESA user and must have activated/registered for MPESA Fuliza
Get a detailed list of Fuliza terms and conditions here.
Remember, you’ll need to pay the loan within 90 days, but it’ll attract a service charge every day.
How to Register Fuliza MPESA (How to Activate Fuliza MPESA)
There are two ways to register or activate a Fuliza loan.
Option 1:
- Dial *234# on your Safaricom line
- Then press 0 to select Fuliza
- Press 1 to select yes
- Reply with 1 to accept the terms
Once you complete the above steps, you will need to wait for a confirmation message indicating your Fuliza limit.
Option 2:
You need to download MySafaricom App and use it to activate Fuliza MPESA. Once you activate the service, the app will allocate your limit, and you can go ahead and Fuliza.
How to Check Fuliza MPESA Limit
Follow these steps to check your Fuliza MPESA limit.
- Press *234*0#
- Opt for option 1 (Check My Limit)
- Wait for a confirmation message from MPESA indicating your MPESA limit.
How to Fuliza MPESA to Another Number
For starters, you’ve to register for Fuliza using MySafaricom App or by dialing *234# before you can Fuliza to another number.
Once you register and receive a confirmation message, you can go ahead and send money as you usually do. That’s by going to MPESA and then sending money.
You’ll then need to enter the phone number you want to send it to and wait for a pop-up requesting you to confirm using Fuliza.
Once you do and enter your MPESA pin, money will be sent, and you’ll receive a confirmation message for the same.
How To Fuliza To My MPESA Account
Currently, Safaricom doesn’t allow you to Fuliza to your MPESA account unless you do it to your other Safaricom line.
In that case, you need to send money to that number and then opt to use Fuliza to complete the transaction when the message pops up.
How To Buy Airtime From Fuliza MPESA
Buying airtime is easy with Fuliza. Here are the steps to follow:
- Go to MPESA and then select Paybill
- Enter 220220 as the business number
- Enter the mobile number you want to top up under the account section
- Confirm to use of Fuliza
- Enter your pin and press the okay
How To Increase Fuliza MPESA Limit
Usually, you are likely to increase your Fuliza loan limit if you continuously use the service and Safaricom services in general. But more importantly, you have to be prompt with the payment.
But even after doing all that and still cannot get an increase, you should try opting out and then opting in. I have heard a few guys claim that it works.
However, note that your limit may also go down or remain as it was. So, there is no guarantee, and it’s a risk that you’ve to take.
How To Check Fuliza MPESA Balance
You can check your Fuliza loan balance by following these steps:
- Press *234*0# on your phone
- Select My Fuliza balance (option 2)
- Wait to receive a confirmation message from Safaricom indicating your outstanding balance
How To Lipa Na MPESA Using Fuliza
The first step is to ensure you are an active Fuliza user. If not, quickly register by dialing *234# or through the Safaricom app.
If you are a registered Fuliza customer with a particular limit, you can go to ‘Lipa na MPESA’ as you do when you’ve some money in your MPESA account.
You need to follow the same steps until a message pops up on your phone screen requesting you to continue with Fuliza.
Once you select agree, you’ll need to key in your MPESA pin and wait for a confirmation message indicating your Fuliza amount payable and applicable fee.
How to Increase Fuliza Loan Limit
To increase the Fuliza limit, you need to engage your line more. How long do you make calls per day matter a lot, do you send messages, and how often do you do it?do you buy data bundles, after how long do you do it?
Doing all the above means you are always engaging your line. The last thing you need to consider is how often you use Mpesa, which amount do you receive or send per day? If you send money several times, then your fuliza limit will increase in a short period of time.
How to Pay Fuliza MPESA loan
Usually, the loan repayment is the most seamless process since you don’t have to do anything. Once you receive the money in your MPESA line and have a Fuliza debt, the amount is automatically dedicated.
Here are the applicable Fuliza charges:
| Fuliza Amount (Ksh) | Charges (Ksh) Per Day |
| 0-100 | Ksh 0 |
| 101-500 | Ksh 2.5 (Free for the first 3 days) |
| 501-1,000 | Ksh 5 (Free for the first 3 days) |
| 1,001-1,500 | Ksh 18 |
| 1,501-2,500 | Ksh 20 |
| 2,501-70,000 | Ksh 25 |
How To Deactivate Fuliza MPESA
You can deactivate (opt-out) Fuliza using any of these options.
Option 1
- Dial *234*0# to select Fuliza
- Select Option 98
- Then reply with Option 7 to opt-out
Option 2
Use my Safaricom app to select MPESA, then Fuliza, and follow the subsequent steps to opt out.
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