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Fuliza review

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

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Our verdict

Fuliza suits M-PESA customers in Kenya who need a small short term credit line and want money in their wallet straight away. Borrowing runs at a 2% to 5% headline rate, with fees of 1% to access and a daily maintenance charge, so borrow small and repay early at no cost.

Key facts

Best for
Short term credit inside the M-PESA app for an existing Safaricom customer
Loan amount
KES 1 to KES 70,000↗
Arrangement fee
1% one-off access fee; daily maintenance fee KSh 0-25 per day plus 20% excise duty↗
Funding time
Immediate at transaction time↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
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↗
Origination fee (%)
1%↗
Loan types
Credit-line, Payday↗
Legal entity
Safaricom PLC↗
Headquarters
Kenya↗
Support channels
Phone, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Credit line
Official website
safaricom.co.ke

Savings

Headline rate
2% to 5%↗
Minimum deposit
KES 1↗
Access terms
Electronic only, operated via the M-Shwari Menu on the M-PESA system; no branch access↗
Monthly fee
KES 0↗
Account kind
Easy access↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Funds land Immediate at transaction time, so a gap between payday and bills does not wait on an application
  • Free early repayment means settling the credit line sooner costs nothing extra
  • A revolving credit line lets you draw only what you need, up to KES 1 to KES 70,000
  • Support runs on phone, chat and help centre

Cons

  • A daily maintenance fee and the excise duty on top of the 1% access fee mean the real cost depends on how long the money is out
  • Support runs on phone, chat and help centre only, with help handled inside the M-PESA system
  • Eligibility is closed to foreign passport holders
Fuliza

Ready to try Fuliza?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • M-PESA customers with an active Safaricom line and a Kenyan identity document
  • Adults bridging a short gap between their own income and an expense
  • People who already repay on time and want the money the same day

Who should look elsewhere

  • Borrowers who need a large lump sum or a long repayment term, where Creduma ES and Sofkredit sit in a different market
  • Anyone wanting a branch to visit, since Fuliza runs entirely inside the M-PESA menu
  • Foreign passport holders, who cannot opt in

Safety of your money

Fuliza is a direct lender, lending from its own balance rather than passing your application on, and the Central Bank of Kenya is the regulator named for it in Kenya. The credit line is easy access, drawn and repaid inside the M-PESA menu on your phone, and the lender is Safaricom PLC, the company behind M-PESA. Support reaches you on phone, chat and help centre.

Who runs it

Fuliza sits inside Safaricom PLC, the Kenyan operator behind M-PESA, so the credit line, the M-PESA account and the repayments are one system rather than two providers. The account is easy access, meaning you draw and repay from the M-PESA menu without paperwork. Help is available by phone, chat and help centre, and the whole product runs on a single Kenyan network.

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 does it cost to borrow from Fuliza?+

Accessing the credit line costs 1% as a one-off fee, and a daily maintenance charge plus excise duty applies while money is out. The headline rate runs 2% to 5% on a fixed basis. Because the daily charge builds up, the cost of a loan depends as much on how long you keep it.

How fast can I get the money?+

Funding is Immediate at transaction time, so the money reaches your M-PESA account as you complete the transaction rather than days later. There is no separate application to submit, and the credit line is credit line style: you draw what you need and pay it back as you go.

How much can I borrow?+

The credit line runs to KES 1 to KES 70,000 at the top end, so it suits short term needs rather than large purchases. You draw what you need, up to your own limit, and repay from the same M-PESA account. Free early repayment means clearing the balance sooner costs nothing.

Who can open a Fuliza credit line?+

Eligibility is limited to M-PESA customers with an active Safaricom line who are registered with a Kenyan national identity document, a Kenyan passport or a military identity document, and who have been on the network for a waiting period. Registrations made on a foreign passport cannot opt in, so the product is open only to locally documented customers.

Is my money protected?+

Fuliza is a direct lender in Kenya, supervised by the Central Bank of Kenya, and the borrowing sits on your M-PESA account with Safaricom PLC as the legal entity. Because the product is a credit line, your M-PESA balance itself is separate from what you have drawn. Support on phone, chat and help centre can answer account questions.

Can I repay early without a penalty?+

Free early repayment is yes, so settling the credit line before the end of the term adds no extra charge. That makes short holds the cheapest way to use it, since the daily maintenance fee is what grows the bill. Repayments run through the same M-PESA menu as the drawdown.

What rates does Fuliza charge?+

The headline rate runs 2% to 5% and the pricing is fixed, so the cost of borrowing does not drift with a variable rate. The one-off access fee is 1%, and the daily maintenance fee plus excise duty sits on top for as long as the money is out.

How is Fuliza different from a payday loan?+

Fuliza is a credit line and payday product, so you can draw repeatedly from the same line rather than take a new loan each time. It is easy access: easy access, with the drawdown and repayment both handled in the M-PESA menu. That suits repeat small needs better than a one-off payday advance.

Do I need to visit a branch?+

No. Access is electronic only, operated through the M-PESA menu on the M-PESA system, so everything is done on your phone. If you need a person, help is available on phone, chat and help centre. That suits anyone already managing their money through mobile banking.

Is there a monthly account fee?+

The stated monthly fee on this account is KES 0, so there is no recurring account charge. What you pay instead is the 1% access fee when you open the credit line and the daily maintenance charge while the money is out. Read the terms for a fixed term alongside the daily rate.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

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

Fuliza

Fuliza

Short term credit inside the M-PESA app for an existing Safaricom customer

9.2/10See alternatives