Fuliza M-Pesa
Faida
- +Overdraft facility - complete transactions even with zero balance
- +Automatic activation for eligible M-Pesa users
- +No application needed
- +Instant access 24/7
Fuliza M-Pesa vs KCB M-Pesa Loan - Mobile Money Loans Comparison 2025
Compare Fuliza M-Pesa and KCB M-Pesa Loan side-by-side. Interest rates, fees, loan amounts, eligibility requirements, and customer reviews. Find the best mobile money loans for you.
Imethibitishwa mwisho: January 2026
Data kutoka tovuti rasmi za benkiJinsi tunavyothibitisha data âKwa Mtazamo
Kiwango Bora
Safaricom M-Pesa
Ada ya Chini
Kenya Commercial Bank
Uidhinishaji wa Haraka
Safaricom M-Pesa
Mshindi Mkuu
Safaricom M-Pesa
| Kipengele | Fuliza M-Pesa Safaricom M-Pesa | KCB M-Pesa Loan Kenya Commercial Bank |
|---|---|---|
| Kiwango cha Riba | 1.083% p.a. Kiwango Bora | 8.88% p.a. |
| Kiwango cha Mkopo | KES 1 - KES 100,000 | KES 50 - KES 1,000,000 |
| Kipindi cha Kulipa | 1 - 30 months | 1 - 1 months |
| Ada | N/A | Processing: 0% Ada ya Chini |
| Vipengele Muhimu |
|
|
| Tazama Maelezo na Omba | Tazama Maelezo na Omba |
KCB M-Pesa Loan
Faida
- +Instant approval and disbursement
- +Loans from KES 50 to KES 1 million
- +Access via M-Pesa menu or *844#
- +No paperwork or bank visit
Maswali Yanayoulizwa Mara kwa Mara
Which is better: Fuliza M-Pesa or KCB M-Pesa Loan?
Fuliza M-Pesa offers a more competitive interest rate starting at 1.083% per annum. However, the best choice depends on your specific needs, loan amount, and repayment period. Fuliza M-Pesa from Safaricom M-Pesa may be better for Overdraft facility - complete transactions even with zero balance, while KCB M-Pesa Loan from Kenya Commercial Bank excels at Instant approval and disbursement.
What are the main differences between Fuliza M-Pesa and KCB M-Pesa Loan?
Fuliza M-Pesa from Safaricom M-Pesa offers rates from 1.083% p.a. with loan amounts up to KES 100,000. KCB M-Pesa Loan from Kenya Commercial Bank offers rates from 8.88% p.a. with loan amounts up to KES 1,000,000. Compare features, fees, and eligibility requirements above.
How fast can I get approved for these mobile money loans?
Approval times vary: Fuliza M-Pesa typically takes 24-48 hours, while KCB M-Pesa Loan processes applications in 24-48 hours. Digital products like M-Pesa loans can be approved instantly, while bank loans may take 1-3 business days.
Do I need collateral for Fuliza M-Pesa or KCB M-Pesa Loan?
Collateral requirements depend on the loan amount and product type. For amounts under KES 500,000, many mobile money loans are unsecured. Larger loans may require collateral such as a logbook, property, or salary assignment. Check specific requirements for each product.
Can I apply for both Fuliza M-Pesa and KCB M-Pesa Loan?
While you can technically apply to multiple lenders, having multiple active loans affects your debt-to-income ratio and CRB profile. It's generally better to choose one product that best fits your needs. Use PesaMarket's comparison tools to make an informed decision.
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