Fuliza overdraft is the simplest and easiest credit to apply for. It is a mobile overdraft by Safaricom in Kenya, allowing M-Pesa users and customers in the country to complete transactions when they have insufficient funds.
This service permits all qualified M-Pesa users to complete their M-Pesa transactions even when they have insufficient funds in their M-Pesa account. The overdraft can take care of your present shopping, needs and still have more left for emergencies.
How to Borrow from Fuliza
To borrow from Fuliza, ensure you’re registered on M-Pesa. Then follow these steps below to access the loan:
- Dial *334# or *234# on your phone
- Choose Loans and Savings then navigate to FULIZA
- Opt-in to get the overdraft amount limit you have been given.
How to Check Fuliza Limit
To check your Fuliza limit, dial *234# from your Safaricom line, select “Fuliza M-Pesa” and follow the prompts to see your limit. Your Fuliza limit is determined by your M-Pesa transaction history.
All you need to do is transact normally as you used to on your M-Pesa account and if you have insufficient funds, Fuliza M-Pesa will cover for it.
How to Increase Fuliza Limit
To increase your Fuliza limit, continue using Safaricom and M-Pesa services more frequently and repay your Fuliza M-Pesa overdraft on time by topping up your M-PESA account.
Also, increasing your transaction volume and regularly checking your limit can also inform you of any increases.
How to Opt-Out of Fuliza
To opt-out of Fuliza,
- Dial *234# from your Safaricom line
- Go to the Fuliza M-Pesa menu
- Then choose the opt-out option.
- Confirm your decision to opt -out of the service.
Conclusion
Fuliza platform renders a convenient and fastest way to ensure transactions like online shopping, and airtime subscriptions are completed even when funds are low.
By understanding how to use, manage, and opt out of the service, M-Pesa users can effectively control their finances.
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