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Hustler Fund Personal Loan vs Fuliza M-Pesa - Mobile Money Loans Comparison 2025

Compare Hustler Fund Personal Loan and Fuliza M-Pesa side-by-side. Interest rates, fees, loan amounts, eligibility requirements, and customer reviews. Find the best mobile money loans for you.

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Kwa Mtazamo

Kiwango Bora
Safaricom M-Pesa
Ada ya Chini
Safaricom M-Pesa
Uidhinishaji wa Haraka
Government of Kenya
Mshindi Mkuu
Safaricom M-Pesa
Kipengele
Hustler Fund Personal Loan
Government of Kenya
Fuliza M-Pesa
Safaricom M-Pesa
Kiwango cha Riba
8% p.a.
1.083% p.a.
Kiwango Bora
Kiwango cha Mkopo
KES 500 - KES 50,000
KES 1 - KES 100,000
Kipindi cha Kulipa
14 - 180 days
1 - 30 months
Ada
N/A
N/A
Ada ya Chini
Vipengele Muhimu
  • Lowest interest rate in Kenya at 8% p.a.
  • Instant disbursement to M-Pesa, Airtel Money, or T-Kash
  • No CRB check required
  • 5% of loan goes to savings (locked for 1 year)
  • Available to all Kenyans 18-70 years
  • 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
Tazama Maelezo na OmbaTazama Maelezo na Omba

Hustler Fund Personal Loan

Faida

  • +Lowest interest rate in Kenya at 8% p.a.
  • +Instant disbursement to M-Pesa, Airtel Money, or T-Kash
  • +No CRB check required
  • +5% of loan goes to savings (locked for 1 year)

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

Maswali Yanayoulizwa Mara kwa Mara

Which is better: Hustler Fund Personal Loan or Fuliza M-Pesa?

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. Hustler Fund Personal Loan from Government of Kenya may be better for Lowest interest rate in Kenya at 8% p.a., while Fuliza M-Pesa from Safaricom M-Pesa excels at Overdraft facility - complete transactions even with zero balance.

What are the main differences between Hustler Fund Personal Loan and Fuliza M-Pesa?

Hustler Fund Personal Loan from Government of Kenya offers rates from 8% p.a. with loan amounts up to KES 50,000. Fuliza M-Pesa from Safaricom M-Pesa offers rates from 1.083% p.a. with loan amounts up to KES 100,000. Compare features, fees, and eligibility requirements above.

How fast can I get approved for these mobile money loans?

Approval times vary: Hustler Fund Personal Loan typically takes 24-48 hours, while Fuliza M-Pesa 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 Hustler Fund Personal Loan or Fuliza M-Pesa?

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 Hustler Fund Personal Loan and Fuliza M-Pesa?

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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