Fuliza review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Fuliza suits M-PESA customers in Kenya who want a small credit line opened inside their phone rather than a bank loan, and it scores 3.5 on this page. Amounts run KES 1 to KES 70,000, so the sensible use is a bill that must be settled today, not a cost that can wait.

Key facts

Best for
M-PESA users in Kenya who need a small amount today and will clear it early.
Loan amount
KES 1 to KES 70,000 (Source, checked September 26, 2026)
Arrangement fee
1% one-off access fee; daily maintenance fee KSh 0-25 per day plus 20% excise duty (Source, checked September 26, 2026)
Funding time
Immediate at transaction time (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
M-PESA customer with an active Safaricom line, registered on national ID, Kenyan passport or Military ID, active on the network at least 6 months; foreign passport registrations cannot opt in (Source, checked September 26, 2026)
Origination fee (%)
1% (Source, checked September 26, 2026)
Loan types
Credit-line, Payday (Source, checked September 26, 2026)
Legal entity
Safaricom PLC (Source, checked September 26, 2026)
Headquarters
Kenya (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
safaricom.co.ke

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Funding is Immediate at transaction time, which suits an emergency rather than a planned purchase.
  • Free early repayment means clearing the credit before the due date costs nothing extra.
  • Safaricom PLC lends the credit as a direct lender, so the same firm handles the account from drawdown to repayment.

Cons

  • A 1% access fee comes first, then a daily maintenance fee with excise duty run for as long as the balance is open.
  • Eligibility is narrow: an active Safaricom line, a national ID, Kenyan passport or Military ID registration, a waiting period on the network, and registrations on a foreign passport cannot opt in.
  • Support runs on phone, chat and help centre, so no email channel is listed for account queries.
Fuliza

Ready to try Fuliza?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • M-PESA customers in Kenya with an active Safaricom line who need cash in the same transaction as an ordinary payment.
  • People who will clear the balance as soon as the bill is paid, since early repayment is free.
  • Borrowers who want a small standing facility inside their phone rather than a large instalment loan.

Who should look elsewhere

  • Creditilia ES, when the need is a larger euro facility: €500 to €50,000 against Fuliza's KES 1 to KES 70,000.
  • Cashspace, for a peso line: PHP 500 to PHP 25,000.
  • Andacredito, for a euro line: €100 to €5,000.

Who runs it

Fuliza runs through Safaricom PLC, so the firm that sets the terms also pays out the credit. It sits in KE and serves a single market, which keeps the account and the servicing in the same place. Support runs on phone, chat and help centre, so help is a phone call or a chat message rather than a written form.

How Fuliza compares

Where Fuliza is available

Available
Kenya
Licence in Kenya
Central Bank of Kenya, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What will Fuliza cost me?+

The arrangement fee is 1% once, and a daily maintenance fee with excise duty applies while you keep the balance. Rates are fixed on a fixed rate model, so the interest side is predictable, but the daily charge is what makes a long balance expensive.

How fast do I get the money?+

Funding is Immediate at transaction time, so the credit appears in your M-PESA wallet while you are still completing the transaction. Nothing waits on a bank transfer, which is why this suits an emergency rather than planned spending.

Who can apply for Fuliza?+

Fuliza is offered by Safaricom PLC to M-PESA customers with an active Safaricom line registered on a national ID, a Kenyan passport or a Military ID, and past a waiting period on the network. Registrations on a foreign passport cannot opt in, so the eligible list is narrower than a bank's.

Is Fuliza a loan or a revolving line?+

It is listed under credit line and payday, so a single draw behaves like a payday advance, while the credit line arrangement lets you draw again later inside M-PESA. Everything stays in the same wallet, and the daily charge matters more here than a headline rate does.

How much can I borrow?+

Amounts run KES 1 to KES 70,000, drawn and repaid through the same M-PESA balance. That suits a fee instalment, a repair bill or a pharmacy visit, but it will not cover a deposit or a vehicle. Short-term lenders on this site are plentiful, with 70.2% of the payday listings serving poorer credit.

Can I repay it early?+

Free early repayment is part of the product, so clearing the credit before the due date costs nothing extra. That is the cheapest route for anyone paid before the next cycle. The catch is the daily maintenance fee, which keeps running until the balance is cleared.

Who regulates Fuliza?+

The credit sits with Safaricom PLC, and the regulator listed for this market is the Central Bank of Kenya. Fuliza is a borrowing product rather than a savings account, so what you draw is a debt to repay, not money held for you. Read the terms on your own line before you commit.

How do I get help?+

Support runs on phone, chat and help centre, all within the M-PESA service rather than a separate app. A phone call or a chat message reaches the same team that handles your wallet, which helps if a payment or a fee looks wrong.

Sources

  • safaricom.co.ke/m-pesa checked September 26, 2026

    Backs: Headquarters, Support channels, Licences

    “M-PESA is regulated by Central Bank of Kenya.”

  • safaricom.co.ke/main-m-pesa/m-pesa-services/credit-and-sa... checked September 26, 2026

    Backs: Eligibility, Features, Legal entity, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type

    “M-PESA customers registered using their national ID/Kenyan passport/Military ID can activate Fuliza ... M-PESA accounts registered using Foreign passport cannot successfully opt-in to Fuliza.”

  • safaricom.co.ke/media-center-landing/frequently-asked-que... checked September 26, 2026

    Backs: Loan amount, Free early repayment, Funding time

    “What is the minimum and maximum amount I can send using Fuliza M-PESA? M-PESA limits apply as below; Transaction limits 1- 70,000/=”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Term, Credit check, Representative example.

Fuliza

Fuliza

M-PESA users in Kenya who need a small amount today and will clear it early.

9.1/10See alternatives

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