If your Fuliza limit is too low, you may be wondering how to increase it and access more money when you need it.
Fuliza is an M-PESA overdraft service that allows eligible customers to complete transactions when their M-PESA balance is insufficient. However, you cannot manually set or request any limit you want. Safaricom and its partners determine your available Fuliza limit based on credit-scoring and other factors.
The good news is that there are steps you can take to build a stronger transaction and repayment history, which may improve your chances of receiving a higher limit during future reviews.
What Determines Your Fuliza Limit?
Your Fuliza limit is linked to your credit score.
Safaricom’s Fuliza terms state that the limit and continued approval of requests are determined by credit scoring. The assessment can consider information from your use of Safaricom services, KCB M-PESA, M-Shwari and your repayment history on existing Fuliza facilities.
This means there is no guaranteed trick or secret code that instantly increases your Fuliza limit.
Your limit can also be reviewed from time to time, and Safaricom reserves the right to vary it.
1. Repay Your Fuliza on Time
One of the most important things you can do is repay your Fuliza balance on time.
Safaricom’s terms state that a Fuliza facility must be repaid in full within 30 days from the date it was first granted. Customers with an outstanding facility beyond the applicable period may become ineligible for a new or additional facility.
Consistently clearing your Fuliza balance can help you maintain a healthier repayment history.
2. Avoid Leaving Fuliza Outstanding for Too Long
Using Fuliza occasionally is different from constantly carrying an unpaid balance.
Safaricom states that where an outstanding facility remains for more than 30 days, access to the service and any unused limit may be suspended.
If you use Fuliza, make repayment a priority rather than allowing the balance to remain unpaid.
3. Use M-PESA Regularly
If you have little or no M-PESA transaction history, there may be limited information available to assess your credit profile.
Safaricom’s terms specifically state that customers who are not initially allocated an Overdraw Limit should continue transacting on M-PESA to build a transaction history and enhance their credit score in order to become eligible for a limit.
This doesn’t mean you should make unnecessary transactions simply to chase a higher limit.
Instead, use M-PESA normally for legitimate everyday transactions such as sending money, paying bills and making purchases.
4. Pay Your Other Digital Loans on Time
Your Fuliza limit is not necessarily determined by Fuliza usage alone.
Safaricom says its credit assessment may consider information from services including KCB M-PESA and M-Shwari, as well as your repayment history on existing Fuliza facilities.
If you use multiple digital credit services, responsible repayment across those services can therefore be important to your overall credit profile.
5. Avoid Defaulting on Loans
Repeated defaults can negatively affect your ability to access credit.
If you have several outstanding loans, focus on clearing overdue balances and maintaining a consistent repayment record.
Do not borrow from one service simply to repay another unless you have a clear and sustainable repayment plan.
6. Keep Using Your Safaricom Services Normally
Safaricom’s Fuliza terms indicate that credit scoring can consider information obtained from your use of Safaricom services.
This means your normal activity within the Safaricom ecosystem can form part of the information used in credit assessment.
However, there is no official Safaricom statement saying that buying a specific amount of airtime or bundles will automatically increase your Fuliza limit.
So, don’t spend money unnecessarily just because someone claims it will guarantee a higher Fuliza limit.
7. Check Your Fuliza Limit Regularly
Your available limit can change after Safaricom’s periodic reviews.
You can check your current Fuliza limit through the appropriate option on the M-PESA menu or the Safaricom app. Safaricom’s terms specifically state that customers can check their Overdraw Limit using the relevant USSD or app menu.
If your limit increases, you will be able to see the updated amount through the available M-PESA/Fuliza interface.
8. Give It Time
One of the biggest mistakes people make is expecting a Fuliza limit increase immediately after repaying a loan.
There is no guaranteed timeline for an increase.
Safaricom says the Overdraw Limit is subject to review from time to time and that the company reserves the right to vary the limit.
Therefore, continue using M-PESA responsibly and maintaining good repayment behaviour rather than trying to force an increase.
Can You Increase Your Fuliza Limit Manually?
No.
There is no official option that allows a customer to simply enter a preferred amount and increase their Fuliza limit.
The limit is determined through Safaricom’s credit assessment process.
Safaricom’s terms state that the company reserves the exclusive right to set the Overdraw Limit.
If your current limit is KSh 1,000, for example, you cannot manually change it to KSh 10,000.
You have to wait for the lender’s assessment and any subsequent review.
How Often Does Fuliza Increase Your Limit?
There is no publicly guaranteed schedule for Fuliza limit increases.
Safaricom states that the limit is subject to periodic review.
This means two customers with similar Fuliza balances may not necessarily receive the same limit or an increase at the same time.
Your credit profile, repayment behaviour and other information used in the assessment can influence the outcome.
Does Repaying Fuliza Increase Your Limit?
Repaying Fuliza responsibly can help maintain a positive repayment history, but repayment does not guarantee an immediate increase.
Your limit is determined through credit scoring and periodic reviews rather than a simple formula such as “repay once and get a higher limit.”
Safaricom specifically identifies repayment history as one of the factors used in credit scoring.
Does Using Fuliza Frequently Increase the Limit?
Not necessarily.
Some people believe that repeatedly using Fuliza will automatically increase their limit. There is no official Safaricom guarantee that frequent borrowing alone will result in a higher limit.
What matters more is responsible use and repayment.
Using Fuliza frequently while consistently carrying an unpaid balance could work against you rather than help you.
What If Your Fuliza Limit Is Zero?
If you don’t have a Fuliza limit, it doesn’t necessarily mean that you can never qualify.
Safaricom’s terms state that customers who are not initially allocated an Overdraw Limit should continue transacting on M-PESA to build a transaction history and enhance their credit score in order to become eligible for a limit.
You should also make sure that you meet the current eligibility requirements for the service.
How to Check Your Fuliza Limit
You can check your current Fuliza limit through the available M-PESA menu or Safaricom app.
The M-PESA app also supports Fuliza during eligible transactions. When the transaction amount exceeds your M-PESA balance but remains within your Fuliza limit, the app can show how much Fuliza will be used before you proceed.
Always review the amount and applicable charges before confirming a Fuliza transaction.
Beware of Fake Fuliza Limit-Increase Services
Be careful if someone contacts you claiming they can increase your Fuliza limit for a fee.
There is no legitimate shortcut that allows an individual to secretly change the limit assigned to your account.
Never give anyone:
- Your M-PESA PIN
- One-time passwords
- SIM details
- Banking passwords
- Personal security codes
You should also avoid paying someone who claims to have an “inside connection” at Safaricom.
Use official Safaricom channels when you have questions about your Fuliza account.
Does Fuliza Affect Your Credit Profile?
Fuliza is a credit facility, and Safaricom’s terms state that credit scoring is used in determining your Overdraw Limit and continued approval of requests. The assessment includes repayment history on existing Fuliza facilities.
This is why responsible borrowing and timely repayment are important.
If you frequently borrow and fail to repay within the required period, you could affect your access to the service.
Best Strategy for Increasing Your Fuliza Limit
If you want to improve your chances of receiving a higher Fuliza limit, focus on these habits:
- Use M-PESA regularly and naturally.
- Repay Fuliza on time.
- Avoid allowing Fuliza balances to remain overdue.
- Repay other digital loans on time.
- Avoid unnecessary borrowing.
- Keep your M-PESA account active.
- Monitor your credit information.
- Give Safaricom time to review your account.
There is no guaranteed method that will increase your limit by a specific amount.
Frequently Asked Questions
How can I increase my Fuliza limit quickly?
There is no guaranteed instant method. Safaricom determines Fuliza limits through credit scoring and periodic reviews. Responsible M-PESA use and timely repayment can help build a stronger credit profile.
What is the fastest way to increase Fuliza?
The best approach is to maintain a good repayment history, use M-PESA normally and avoid overdue facilities. However, Safaricom does not guarantee a specific timeline for an increase.
Can I request Safaricom to increase my Fuliza limit?
You cannot simply choose or manually set a higher limit. Safaricom determines the Overdraw Limit through its credit assessment process.
Does paying Fuliza early increase the limit?
Early repayment can demonstrate responsible credit behaviour, but it does not guarantee an immediate limit increase.
Why has my Fuliza limit decreased?
Safaricom can periodically review and vary Overdraw Limits. The company reserves the right to change the limit based on its assessment.
Why is my Fuliza limit still low after repayment?
Repayment is only one part of the credit assessment. Your limit is determined through credit scoring and periodic reviews, so clearing one Fuliza facility does not automatically result in a higher limit.
Can I get Fuliza if I have never used M-PESA?
Eligibility depends on Safaricom’s credit assessment. Safaricom states that customers without an initially allocated limit should continue transacting on M-PESA to build transaction history and enhance their credit score.
Final Thoughts
If you are looking for how to increase your Fuliza limit, the most important thing to understand is that there is no secret code, manual setting or guaranteed shortcut.
Safaricom determines Fuliza limits through credit scoring and periodic reviews. Factors can include your use of Safaricom services, relevant credit services and your repayment history.
The smartest approach is therefore to use M-PESA responsibly, repay Fuliza and other credit facilities on time, avoid defaults and give your credit profile time to improve.
Most importantly, don’t borrow more money simply because your limit increases. A higher Fuliza limit gives you access to more credit—it does not mean you can afford to spend more.
