Fuliza M-Pesa
Safaricom M-Pesa
Last updated: October 29, 2025
Rating Breakdown
Pros & Cons
Pros
- Instant overdraft - no waiting
- First 7 days are free
- Auto-activates for eligible users
- No application process
- Works 24/7
- Auto-repays when you receive money
Cons
- 1.083% daily fee after 7 days
- Max 30-day usage
- Auto-deduction can be aggressive
- Requires active M-Pesa usage history
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.
Best For
- Covering M-Pesa transaction shortfalls instantly
- Paying bills when cash is temporarily short
- Emergency situations requiring immediate funds
- Business transactions needing completion despite low balance
- Payday is 1-3 days away and funds are needed now
Common Rejection Reasons
- New M-Pesa line (under 6 months old)
- Low M-Pesa transaction volume
- Outstanding Fuliza balance unpaid beyond 30 days
- Negative CRB listing from mobile loan defaults
- Multiple Safaricom services in arrears
How It Compares
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.
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Product Details
Features
- Overdraft facility - complete transactions even with zero balance
- Automatic activation for eligible M-Pesa users
- No application needed
- Instant access 24/7
- Auto-repayment when M-Pesa receives funds
- Limit increases with usage
- Grace period - first 7 days free
- Works for all M-Pesa transactions
Eligibility Requirements
Required Documents
- Active M-Pesa account
- 6+ months M-Pesa usage
Repayment Options
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