How to get a Fuliza M-Pesa limit

By Gong Insurance Apt
Fuliza limit


Fuliza M-Pesa is a service that allows you to complete transactions even when you have insufficient funds in your M-Pesa account. 

It works like an overdraft facility, letting you borrow up to Kshs. 70,000 for 30 days. 

Fuliza M-Pesa is a convenient and flexible way to manage your cash flow, especially in emergencies or when you need extra cash. 

But how do you get a Fuliza M-Pesa limit? And how do you increase it? In this article, we will answer these questions and give you some tips on how to use Fuliza M-Pesa wisely.

How to get a Fuliza M-Pesa limit

To get a Fuliza M-Pesa limit, you need to be an active M-Pesa customer for at least six months. 

You also need to opt into the service by dialing *234# and selecting Fuliza M-Pesa. 

Once you opt in, you will receive a confirmation message with your Fuliza M-Pesa limit. 

This limit is the maximum amount that you can borrow from Fuliza M-Pesa at any given time.

How to increase your Fuliza M-Pesa limit

Your Fuliza M-Pesa limit is determined by your usage and repayment of the service. 

To increase your limit, you need to continue using Safaricom and M-Pesa services and repay your Fuliza M-Pesa facility on time by topping up your M-Pesa account. 

The more you use and repay Fuliza M-Pesa, the higher your limit will grow. However, if you default on your repayments or use Fuliza M-Pesa less frequently, your limit will decrease. 

Note that your Fuliza M-Pesa limit will be refreshed (upwards or downwards) depending on your usage and timely repayment of the facility.

How to check your Fuliza M-Pesa limit and balance

To check your Fuliza M-Pesa limit and balance, dial *234# and select Fuliza M-Pesa. 

You will see your current limit, the amount you have borrowed, and the amount you have repaid. 

You will also see the fees and charges that apply to your Fuliza M-Pesa facility. 

Fuliza M-Pesa charges a daily access fee of 1.083% of the amount borrowed, plus a one-time initiation fee of 1.16% of the amount borrowed. 

These fees are deducted from your M-Pesa account when you repay your Fuliza M-Pesa facility.

How to use Fuliza M-Pesa wisely

Fuliza M-Pesa is a useful service that can help you overcome cash flow challenges and complete urgent transactions. However, it is important to use it wisely and responsibly, as it is not a long-term loan solution.

Here are some tips on how to use Fuliza M-Pesa wisely:

- Only use Fuliza M-Pesa when you really need it, and for the amount that you need. Do not borrow more than you can afford to repay.

- Repay your Fuliza M-Pesa facility as soon as possible, preferably within the same day or the next day. This will reduce the fees and charges that you incur, and also increase your limit for future use.

- Keep track of your Fuliza M-Pesa limit and balance, and avoid exceeding your limit. If you exceed your limit, you will not be able to use Fuliza M-Pesa until you repay the outstanding amount.

- Do not rely on Fuliza M-Pesa as your main source of funds. Fuliza M-Pesa is meant to supplement your M-Pesa account, not replace it. 

- Always try to maintain a positive balance in your M-Pesa account, and use other savings and credit options available to you.

Conclusion

Fuliza M-Pesa is a service that enables you to complete transactions even when you have insufficient funds in your M-Pesa account. 

It works like an overdraft facility, allowing you to borrow up to Kshs. 70,000 for 30 days. 

To get a Fuliza M-Pesa limit, you need to be an active M-Pesa customer for at least six months, and opt into the service by dialing *234# and selecting Fuliza M-Pesa. 

To increase your limit, you need to continue using Safaricom and M-Pesa services and repay your Fuliza M-Pesa facility on time by topping up your M-Pesa account. 

To check your limit and balance, dial *234# and select Fuliza M-Pesa. To use Fuliza M-Pesa wisely, only borrow what you need, repay as soon as possible, keep track of your limit and balance, and do not rely on it as your main source of funds. 

Fuliza M-Pesa is a convenient and flexible way to manage your cash flow, but it is not a long-term loan solution. Use it responsibly and enjoy the benefits of Fuliza M-Pesa.

I hope this article meets your expectations. 


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