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How to increase the Fuliza limit today

How to increase the Fuliza limit today

This article is about how to increase the Fuliza limit today. Since its launch in 2019, Fuliza‘s popularity among MPESA users has steadily grown. Despite competition from mobile lending apps, mobile overdraft service continues to dominate the digital lending industry and the only thing most Fuliza customers can think about is how to increase their Fuliza limit. Safaricom recommends using MPESA, Fuliza and other Safaricom services frequently, paying Fuliza on time and staying away from CRB as the easiest way to increase Fuliza limit. However, you can try participating and not participating and get a higher limit.

In this post we tell you:

How to increase the Fuliza limit today

How to fuliza MPESA loan

5 tips on How to increase Fuliza limit today

how to unsubscribe from Fuliza

Why is my Fuliza Limit Is Zero?

How to increase Fuliza limit from zero

How to check your Fuliza limit

How to fuliza MPESA loan

Once registered, you can use Fuliza MPESA to complete Lipa Na MPESA, send money, purchase airtime and fund withdrawal services. Nothing changes in the routine, just that you agree to use Fuliza at the end of the transaction when the Fuliza option appears. However, you cannot pay more than your loan limit with Fuliza and you must cover the transaction fee (deducted from your eligible Fuliza loan).

Here’s how to get started with the Fuliza Mpesa loan:

  • You must be an M-Pesa user and have an active Safaricom line.
  • Your Safaricom line must have been used within the last six months.
  • When you meet the above requirements, go to your phone, dial *234# and select Fuliza M-Pesa to participate. Alternatively, if you have the My Safaricom app, you can use it to get a Fuliza Mpesa loan.
  • M-Pesa will automatically assign a Fuliza limit, so you will not be able to use more than this limit.


You need to deposit or receive money from your M-Pesa to repay the loan. They will automatically deduct the money once it reaches your account.

So, whenever you need to pay for something or send money to someone, but your M-Pesa account is low, Fuliza will ask you to use the service to send. You can also check how to get Fuliza on another number here.

Kindly Note: When you opt for Fuliza, you can only top up within your limit.


How to increase the Fuliza limit today

NOTE: This action may reduce the limit to zero.

Step 1: Ensure you regularly use MPESA

Make sure you have been using the service for a while and are a person who repays your loan on time.

Safaricom themselves recommend that you continue to use Safaricom and M-PESA services frequently and pay Fuliza M-PESA on time by topping up your account.

Step 2: Unsubscribe from Fuliza M-Pesa

Unsubscribe from Fuliza M-Pesa. If you don’t know, here’s how to unsubscribe from Fuliza M-Pesa:

  • Dial *234# on your phone
  • Select the Fuliza option
  • Select unsubscribe


If you use the MySafaricom app, here’s how to unsubscribe:

  • Log in to the app
  • Choose M-Pesa
  • Select Fuliza M-Pesa
  • Click Unsubscribe

Step 3: Install Fuliza

Install Fuliza by dialing *234# or via the MySafaricom app. You should see your new limit if all goes well. You may get a new limit or they will reinstate M-Pesa and Safaricom will reinstate the previous limit.

5 tips on How to increase Fuliza limit today

Let’s now talk about your Fuliza loan limit. Most people start with Ksh 500, which, you have to admit, isn’t much. So how can you get more from this lender? That is, following these suggestions:

1. Use Fuliza frequently


Fuliza is like any other lender. The more you use the service, the more trust you will build with the lender and the more likely you are to benefit from a higher limit.

So, if you want to quickly increase your Fuliza limit, use Fuliza as often as possible to pay bills and other transactions.

2. Use MPESA and Safaricom services more often


Also, build a good relationship with the lender by using MPESA and Safaricom services more frequently. This includes, among others, purchasing airtime, paying bills, sending money and saving with MSHWARI. The more transactions you make with MPESA, the more the lender will trust you with a higher limit.

3. Pay Fuliza on time (the best way to increase Fuliza limit)


You are likely to increase your Fuliza limit if you repay the loan before the due date. Fuliza loans usually have a repayment period of 30 days; If you can pay off your debt during this time, you’ll be more likely to get a raise. It doesn’t happen overnight, but it doesn’t take long.

4. Stay away from the CRB


How you deal with other lenders can affect the amount you receive from Fuliza. For example, if you have been blacklisted by other lenders for loan default, Safaricom may choose to lower your Fuliza limit.

Alternatively, Safaricom may choose not to offer you the benefit or refuse to increase your limit. Therefore, it is essential that you also repay your other loans to avoid being blacklisted by the CRB.

5. Unsubscribe and then log in

NB: A word of warning, however; this may reduce the Fuliza limit rather than increase it.

However, many people claim that it works and that’s why it’s on my list.

how to unsubscribe from Fuliza:

  • Dial *234#
  • Select Fuliza MPESA (normally option 0)
  • Select more (usually option 8), then disable (usually option 7)
  • Choose Yes (usually option 1) to unsubscribe
  • Safaricom will send you an SMS indicating that you have opted out of Fuliza.

However, you should not rush to participate.

You can take a few hours or even an overnight before signing up and follow the steps I shared above.

Alternatively, you can register via the MySafaricom app.


Why is my Fuliza Limit Is Zero?


Nothing makes you more angry than opting for Fuliza and expecting to use the service only to find out that the limit is zero. So what explains it?

Well, your Fuliza limit is zero for one of these reasons:

  • Your line has not been used for more than six months
  • Although your line was registered more than six months ago, it has remained inactive or rarely used
  • The CRB blacklisted him for loan default
  • You have a Fuliza loan pending, sometimes in another loan
  • You have defaulted on another Safaricom related loan such as OKOA JAHAZI, MSHWARI or KCB MPESA.


How to increase Fuliza limit from zero


Now that you know the probable reasons why your Fuliza loan limit is zero, there are some things you can do to increase the limit to at least Ksh 500.

Here’s what you should do:

  • First, pay off any outstanding loans, be they Fuliza, OKOA JAHAZI, MSHWARI or any other, even with a different lender.
  • Make sure your SIM card has been in use for more than six months. Otherwise, wait six months before opting for Fuliza.
  • Get permission from CRB after paying your outstanding debt
  • Frequently uses Safaricom and MPESA services
  • Deactivate and then accept


How to check your Fuliza limit


You will normally receive an SMS indicating your Fuliza limit when you sign up for Fuliza. However, you can still check the limit like this:

  • Dial *234#
  • Select Fuliza MPESA and then my limit
  • Wait for an SMS with your limit
  • And as for your balance, you will find it in the SMS you will receive after using Fuliza to complete an MPESA transaction.

how to check your Fuliza balance

  • Dial *234#
  • Opt for Fuliza MPESA
  • Select My Fuliza Balance
  • Wait for an SMS with your Fuliza balance
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