How to Increase Fuliza Limit
Fuliza is a popular overdraft service offered by Safaricom through M-Pesa, allowing subscribers to complete transactions even when their balance is insufficient. Your Fuliza limit determines how much you can borrow, and with the right practices, you can steadily increase it. This article explains how Fuliza works, what affects your limit, and practical steps to raise it.
How Fuliza Limit Works
When you opt into Fuliza, Safaricom assigns you a starting limit based on your M-Pesa usage, transaction history, and credit behavior. The limit is dynamic, meaning it can increase or decrease depending on how you use the service.
Steps to Increase Your Fuliza Limit
1. Use M-Pesa Frequently
The more you transact through M-Pesa—sending money, buying airtime, paying bills, and shopping—the higher your chances of growing your Fuliza limit. Safaricom rewards active users.
2. Repay Fuliza on Time
Always repay Fuliza as soon as possible. Consistent, timely repayment builds trust with Safaricom and signals you can handle higher limits.
3. Maintain Regular M-Pesa Activity
Keep money flowing through your account. Deposit, withdraw, and transact often. Dormant or rarely used accounts are less likely to get increased limits.
4. Avoid Defaults
Failure to repay Fuliza on time lowers your limit or may even block access to the service. Make it a habit to clear your overdraft promptly.
5. Keep Using Fuliza
Regularly using Fuliza responsibly shows Safaricom that you depend on and can manage the service. This can gradually improve your borrowing capacity.
6. Improve Your Credit Record
Since Safaricom considers your overall financial behavior, maintaining a positive CRB status and avoiding loan defaults on other platforms also helps you qualify for higher limits.
Common Questions About Fuliza Limits
Why is my Fuliza limit not increasing?
If you don’t use M-Pesa often, repay late, or default, your limit may stagnate or even decrease.
Can I request Safaricom to raise my Fuliza limit manually?
No, the limit is automatically adjusted based on your usage and repayment patterns.
How long does it take for Fuliza limit to increase?
There’s no fixed timeline—it depends on how consistently you follow good practices like repayment and active M-Pesa usage.
Can my Fuliza limit be reduced?
Yes, if you misuse the service, delay repayment, or stop using M-Pesa actively.
Conclusion
Increasing your Fuliza limit requires responsible financial behavior. By transacting regularly, repaying on time, and keeping a healthy credit record, you can steadily grow your borrowing power with Safaricom’s Fuliza service.
