How to Increase Your Fuliza Loan Limit – Best Working Tricks

Fuliza, Safaricom’s overdraft service, has become a financial lifeline for many Kenyans. It allows M-Pesa users to complete transactions even with insufficient funds, repaying later with a small fee. However, the biggest challenge users face is a low Fuliza loan limit.

If you’ve been wondering how to increase your Fuliza loan limit, you’re in the right place. In this guide, we’ll reveal the proven trick to boost your Fuliza limit and enjoy higher borrowing power.

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How Fuliza Loan Limit Works

Your Fuliza limit is determined by Safaricom based on several factors, including:

• Your M-Pesa transaction history
• Frequency of Fuliza repayments
• Creditworthiness (based on Safaricom’s internal scoring)
• Account activity (how often you use M-Pesa)

By default, new users start with a small limit (often Ksh 500 – Ksh 2,000), but with consistent usage and good repayment habits, you can increase it significantly.

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Proven Trick to Increase Your Fuliza Loan Limit

After extensive research and user testimonials, we’ve found the most effective method to raise your Fuliza limit:

1. Repay Fuliza Loans Early & Consistently

Safaricom rewards responsible borrowers. If you repay your Fuliza loans before the due date, the system recognizes you as a low-risk customer and gradually increases your limit.

✅ Action Step:

• Avoid defaulting or late repayments.
• Clear your Fuliza balance as soon as possible.

2. Increase Your M-Pesa Transaction Volume

The more you transact on M-Pesa (sending, receiving, paying bills, buying airtime), the higher your chances of getting a limit boost.

✅ Action Step:

• Use M-Pesa daily for payments, transfers, and deposits.
• Avoid dormant accounts—keep your M-Pesa active.

3. Link Your M-Pesa to Other Safaricom Services

Using M-Shwari, KCB M-Pesa, or Fuliza Nafuu improves your credit profile. Safaricom cross-checks your financial behavior across these platforms.

✅ Action Step:

• Take small M-Shwari loans and repay on time.
• Use Fuliza Nafuu (if eligible) for better terms.

4. Avoid Multiple Fuliza Loan Defaults

Defaulting (failing to repay on time) lowers your limit. If you’ve defaulted before, focus on timely repayments to rebuild trust.

✅ Action Step:

• Set reminders for due dates.
• Repay in full before the next borrowing cycle.

5. Contact Safaricom Customer Care

If your limit remains low despite good repayment habits, call Safaricom’s 100 or 234 and request a review. Some users report instant increases after this step.

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What’s the Maximum Fuliza Loan Limit?

The highest Fuliza limit is Ksh 70,000, but most users range between Ksh 1,000 – Ksh 30,000. Your limit grows over time with consistent good usage.

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Frequently Asked Questions (FAQs)

Q1: Can I increase my Fuliza limit instantly?

A: No, it’s a gradual process based on your transaction behavior. However, following the tricks above speeds it up.

Q2: Why was my Fuliza limit reduced?

A: Late repayments, defaults, or low M-Pesa activity can trigger a reduction.

Q3: Does Fuliza affect my credit score?

A: Yes, Safaricom reports to CRBs. Timely repayments improve your score, while defaults hurt it.

Q4: How do I check my Fuliza limit?

Dial *234# > Fuliza > Check Limit or go to M-Pesa app > Fuliza.

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Final Thoughts

Increasing your Fuliza loan limit is possible with responsible borrowing and consistent M-Pesa usage. Follow the proven tricks above, and over time, Safaricom will reward you with a higher limit.

💡 Pro Tip: Always borrow only what you need and repay on time to maintain a good credit standing.

Have you successfully increased your Fuliza limit? Share your experience in the comments!