How to Increase Your Fuliza Limit: Tips and Tricks

How To Increase Your fuliza Limit

Are you tired of being constrained by low Fuliza limits on your M-Pesa account? 

Does it feel like you need access to more funds every time, but your limit comes in the way of that? Don’t worry—you’re not alone. 

Many Kenyans have faced this predicament, the frustrating moment when a transaction fails because the Fuliza limit falls short. 

But what if I told you there’s a way to increase your Fuliza limit? A method to give you that extra financial leeway when you need it most.

Yes, there is a way! Buckle up as I guide you on how to increase your Fuliza limit.

But first,

How Do You Check Your Fuliza Limit

If you want to know your Fuliza limit, it’s easy to check. Here are the steps:

  1. Dial *234# on your Safaricom line.
  2. Select “Fuliza M-PESA” from the menu options.
  3. Select “My Limit” to see your current Fuliza limit.

You will receive an SMS with your limit information shortly after completing these steps.

How to Increase Your Fuliza Limit

If you’re looking to increase your Fuliza limit, there are a few things you can do to make it happen. Here are some tips to help you get a higher limit:

– Transact With Fuliza Often

One of the easiest ways to increase your Fuliza limit is to use the service frequently. This shows Safaricom that you’re a loyal customer who uses their services regularly. So, use Fuliza to pay bills, buy airtime, and make other transactions whenever possible.

– Avoid Being Listed on CRB

If you’re listed on the Credit Reference Bureau (CRB), it can negatively affect your credit score and ability to borrow money. So, pay your bills on time and avoid defaulting on loans. This will help you maintain a good credit score and increase your chances of getting a higher Fuliza limit.

– Repay Your Fuliza Loans on Time

Another way to increase your Fuliza limit is to repay your loans on time. If you have outstanding Fuliza loans, pay them off immediately. This will show Safaricom that you’re a responsible borrower who can be trusted to repay their debts.

– Use Other Safaricom Products Often

In addition to using Fuliza frequently, you should use other Safaricom products often. This includes M-PESA, Mshwari, Okoa Jahazi, and other services. Doing so shows Safaricom that you’re a loyal customer who values their services.

Remember, increasing your Fuliza limit takes time and effort. 

But by following these tips, you can raise your Fuliza limit from zero or restore your previous limit to a higher amount. 

How to Increase the Fuliza Limit from Zero

There are cases where you’ll find that your Fuliza limit is zero. If this is the case for you, here are some options that you can explore; 

  1. Use M-PESA and Safaricom services frequently: Transacting with Fuliza regularly can help increase your loyalty and improve customer reviews. Safaricom says you can increase your Fuliza loan limit by using their services frequently.
  2. Opt-in again: If you have opted out of a Fuliza subscription, you can opt-in again to see if your limit has increased significantly. This applies to both newbies and old customers.
  3. Improve your M-PESA account: If it is less than six months old or has changed negatively, it may affect your Fuliza limit. Try to improve your account by using it responsibly and paying your bills on time.
  4. Clear your CRB blacklist: If you have been blacklisted by the Credit Reference Bureau (CRB), it could affect your Fuliza limit. Clear your blacklist by repaying your outstanding loans and debts.
  5. Contact Safaricom customer care: If you have tried all the above steps and still need help to increase your Fuliza limit, contact Safaricom customer care for assistance. They can provide more personalized solutions.

Benefits of Using Fuliza

Here are some of the benefits of using Fuliza:

1. Convenient Service

Ever had to pay for an item in the supermarket, but your balance runs low? Well, it is in such cases that Fuliza offers you extreme convenience. The overdraft service allows you to spend money you don’t have in your wallet and pay it back later. 

2. Fast

Fuliza is a fast service that allows you to access the money instantly. Once you opt-in to the service, you can borrow money anytime. The money is deposited into your M-PESA account immediately, allowing you to transact without delay.

3. Easy to Use

One thing I love about Fuliza is its ease of use. You can easily access the service through your Safaricom app or the USSD code *234# and follow the prompts to opt in. Once you have opted-in, you can borrow money anytime you need it.

4. Flexible

In cases where you only need small amounts, like Ksh 50 bob, Fuliza’s flexibility becomes a significant advantage. Unlike other traditional lending platforms, Fuliza allows you to borrow as low as Ksh10.

5. No Interest Charged

Fuliza does not charge any interest on the money you borrow. Instead, you are charged a one-time fee deducted from your M-PESA account when you repay the borrowed amount. This makes Fuliza an affordable option for anyone who needs to borrow money.

Frequently Asked Questions on How To Increase Fuliza Limit

If you want to increase your Fuliza limit, you may have questions about the process. Here are some frequently asked questions and their answers:

How do I check my Fuliza limit?

To check your Fuliza limit, dial *234# on your Safaricom line and select Fuliza M-PESA. Then, select the option to check your limit.

How do I increase my Fuliza limit?

There are several ways to increase your Fuliza limit, including making transactions with Fuliza often, repaying your loans on time, and opting in and out of the service. You can also use other Safaricom services frequently to increase your loyalty and customer review.

What happens if I don’t repay my Fuliza loan on time?

Late repayments can harm your Fuliza limit and even lead to being listed on the Credit Reference Bureau (CRB), severely affecting your ability to borrow.

How long does it take to increase my Fuliza limit?

The time it takes to increase your Fuliza limit varies depending on your method. If you make transactions with Fuliza often and repay your loans on time, you may see an increase in your limit within a few days. Opting in and out of the service may also increase your limit quickly.

Can I increase my Fuliza limit beyond the maximum limit?

No, you cannot increase your Fuliza limit beyond the maximum limit set by Safaricom. However, if you use the service frequently and maintain a good repayment record, you may be eligible for other loan products offered by Safaricom.

Final Take on How to Increase Your Fuliza Limit

Congratulations! You have made it to the end of our guide on increasing your Fuliza limit. We hope you have found the information helpful and can now take steps to increase your limit and access more funds when you need them.

Remember, increasing your Fuliza limit is not a one-time event. It requires consistent and responsible use of the service and a good credit history.