Safaricom M-Pesa

Compare all 8 products from Safaricom M-Pesa in Kenya. Rates from 0%. Borrow up to Ksh 1,000,000.

Lowest Rate

Ksh 1,000,000

Max Amount

Instant

Fastest Disbursement

Total Products

Mobile Money Loans

Product	Rate	Amount	Turnaround
Fuliza Biashara Overdraft	1.5%	Ksh 100 - Ksh 100,000	Instant	Apply
Fuliza M-Pesa	1.083%	Ksh 1 - Ksh 100,000	Instant	Apply
M-Shwari Loan	7.5%	Ksh 100 - Ksh 1,000,000	Instant (0-30 seconds)	Apply
M-Shwari Loan	7.5%	Ksh 100 - Ksh 1,000,000	Instant	Apply
Taasi Pochi Business Loan	0.5% - 1%	Ksh 1,000 - Ksh 150,000	Instant	Apply
Taasi Till Business Loan	0.5% - 1%	Ksh 1,000 - Ksh 250,000	Instant	Apply

View all Mobile Money Loans→

📈

Money Market Funds

Product	Rate	Amount	Turnaround
Ziidi Money Market Fund	N/A	N/A	N/A	Apply

View all Money Market Funds→

🛒

Buy Now Pay Later

Product	Rate	Amount	Turnaround
Safaricom Faraja	0%	Ksh 20 - Ksh 100,000	Instant	Apply

View all Buy Now Pay Later→

Safaricom M-Pesa Pros & Cons

+Pros

✓Instant disbursement
✓Available 24/7
✓No processing fees
✓Based on business performance
✓No collateral required
✓Flexible repayment up to 6 months

-Cons

✗Requires M-Pesa Till/Paybill
✗Requires active M-Pesa usage history
✗Daily maintenance fee when in use
✗Lower limits (up to KES 100,000)
✗Interest accumulates daily
✗Only for business accounts

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Business owner with M-Pesa Till/PaybillAny M-Pesa userAny - M-Pesa userAny - no employment restrictionBusiness owner with M-Pesa Pochi La Biashara

Required Documents (across all products)

●Valid Kenyan ID
●Active M-Pesa Till or Paybill number
●Active M-Pesa account
●Business transaction history
●6+ months M-Pesa usage
●M-Pesa registered SIM card
●National ID
●Registered M-Pesa account
●Active M-Shwari account
●Active M-Pesa Pochi La Biashara account

Expert Analysis

Fuliza is essentially an M-Pesa overdraft facility that covers shortfalls when your M-Pesa balance is insufficient for a transaction. Unlike traditional loans, you don't apply - it activates automatically when needed. The daily fee of 0.5% on outstanding balance can become expensive if not managed, equivalent to 182.5% annually. However, for day-to-day transaction smoothing, it's remarkably convenient. Your limit is determined by M-Pesa usage history, Safaricom products usage, and CRB status. Best used as a true overdraft - bridging gaps for a few days rather than extended borrowing.

How they compare

Fuliza beats M-Shwari for instant, unplanned needs but costs more for extended use. Against bank overdrafts, Fuliza is more accessible but much more expensive. The automatic activation makes it more dangerous for those who struggle with debt management.

Frequently Asked Questions

What interest rates does Safaricom M-Pesa offer?

Safaricom M-Pesa offers interest rates ranging from 0% to 7.5% across their 8 products. The exact rate depends on the product type, loan amount, and your credit profile.

What loan amounts are available from Safaricom M-Pesa?

Safaricom M-Pesa offers loan amounts from Ksh 1 up to Ksh 1,000,000 depending on the product and your eligibility.

How fast does Safaricom M-Pesa disburse loans?

The fastest disbursement time from Safaricom M-Pesa is Instant. Actual processing time varies by product type and application completeness.

Does Safaricom M-Pesa require CRB clearance?

Safaricom M-Pesa does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.