Safaricom, Kenya’s leading telecommunications provider, has outlined how customers can increase their Fuliza loan limits by practicing responsible financial behavior.
The company emphasized that customers who want higher loan limits must follow certain conditions that show they can be trusted with credit.
Tips for Increasing Your Fuliza Limit
According to Safaricom, one of the most effective ways to grow your Fuliza limit is by saving money regularly on your M-Pesa account without withdrawing it.
This consistent saving habit helps demonstrate financial discipline and account stability. Safaricom also recommends paying back Fuliza loans on time and making frequent use of the service for small transactions.
Additionally, customers are urged to pay off any existing Okoa Jahazi airtime loans and to keep their Safaricom line active. This means regularly topping up airtime and using various Safaricom services. These habits contribute to a stronger credit profile with the company.
“To increase your Fuliza limit, ensure you save frequently without making withdrawals, avoid unpaid Okoa Jahazi loans, keep your Safaricom line active with top-ups, and make use of other Safaricom products.
Once the system detects responsible usage, your new limit will be communicated,” Safaricom told Newshub.co.ke.
To summarize, Safaricom listed the following key practices for increasing your limit:
- Use Fuliza regularly, even for small transactions.
- Repay your Fuliza loan as soon as possible.
- Avoid having an overdue balance.
The company noted that sticking to these steps helps improve a customer’s “trust score,” making it easier to access higher loan limits and enjoy more financial flexibility on M-Pesa.
What is Fuliza?
Fuliza is an overdraft service offered to M-Pesa users, which allows them to complete transactions even when they do not have enough money in their mobile wallet. To use Fuliza, a customer must have an active Safaricom line and be registered on M-Pesa.
Customers are required to opt in to use the Fuliza service. However, not all M-Pesa users who activate Fuliza will be granted a loan limit right away.
Safaricom explained that only those registered with a Kenyan national ID, Kenyan passport, or military ID can activate the service. People who register their M-Pesa accounts using foreign passports are not eligible for Fuliza loans.
Once a customer successfully opts in, they are assigned a loan limit. This limit is the maximum overdraft amount that the customer can access.
The limit can increase or decrease over time depending on how frequently the customer uses the service and how quickly they repay their loans.
How to Join Fuliza
To opt in to Fuliza, follow these simple steps:
- Dial *334# on your mobile phone.
- Select Loans and Savings.
- Click on Fuliza.
- Choose the Opt-In option.
Once you are opted in, you can use Fuliza any time as long as your usage stays within your current loan limit.
Safaricom also noted that a customer must have used their Safaricom line actively for at least six months to qualify for a Fuliza limit. “If someone has been on our network for less than six months, their limit will remain at zero.
Over time, their limit will be adjusted upwards or downwards based on how they use and repay the facility,” the company explained.
Why You Might Not Access Your Full Limit with an Overdue Loan
In a related update, a customer who had a Fuliza limit of KSh 5,000 reported being unable to access the remaining KSh 3,000 after falling behind on a KSh 2,000 loan.
Safaricom clarified that once a Fuliza loan becomes overdue—especially if it goes beyond three months—the outstanding balance locks the remaining portion of the loan limit.
This means that even if you still have part of your Fuliza limit available, you won’t be able to access it until you clear the overdue debt. Safaricom emphasized the importance of repaying Fuliza loans on time to avoid being locked out of your available funds.
Final Advice
Safaricom’s advice is clear: if you want to enjoy higher Fuliza limits and maintain full access to your overdraft service, practice good financial habits. Save regularly, avoid unnecessary withdrawals, pay back loans quickly, and keep your line active.
These steps will not only improve your chances of increasing your Fuliza limit but also help you build a reliable financial history on the M-Pesa platform.
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