Fuliza Loan App Review (2026)
M-Pesa overdraft — complete transactions when short. Here’s our full review of Fuliza — loan limits, what it costs, the requirements, how to apply, and how it stacks up against the alternatives.
Loan limit
KES 1–70,000
Interest
Daily access fee (tiered)
Speed
Instant (overdraft)
CRB
No CRB check
What is Fuliza?
Fuliza is a mobile lending service in Kenya operated by Safaricom / NCBA & KCB. M-Pesa overdraft — complete transactions when short. It’s designed for quick, small-to-medium loans disbursed straight to M-Pesa, with no separate app to install — you qualify from your phone based on your details and history.
Fuliza loan limits
Loan amounts typically run from about KES 1 to KES 70,000. Like every lender here, Fuliza starts you on a small limit and raises it as you borrow and repay on time — so consistent, early repayment is the fastest way to unlock bigger loans.
Interest and fees
Fuliza charges around Daily access fee (tiered), with no upfront registration fee. As with all app loans, interest is charged per short term rather than per year — so the effective cost is high if you repay late. Borrow only what you can clear by the due date.
Requirements
- Registered Safaricom M-Pesa line
- Active M-Pesa usage
How to apply for Fuliza
- Open your M-Pesa menu (or dial the relevant USSD code) and select Fuliza.
- Activate the service and accept the terms if it’s your first time.
- Choose your amount and confirm — approval is instant based on your history.
- The funds reflect in your M-Pesa immediately.
Repayment and defaulting
Repay Fuliza through M-Pesa by the due date to keep your limit growing and your costs down. Fuliza is more lenient on CRB, but defaulting still blocks future access and accrues fees. If you’re struggling, borrow less next time rather than rolling over debt.
Fuliza pros and cons
Pros
- No app needed
- Auto-covers M-Pesa shortfalls
- Very widely used
Cons
- Daily fees add up
- Not a cash loan — an overdraft
Is Fuliza safe?
Fuliza is run by Safaricom / NCBA & KCB. The golden rule in Kenya: a legitimate lender never asks for an upfront payment before releasing your loan. Fuliza deducts nothing before disbursing. Only ever download the official app, and if anything asks for a “registration” or “processing” fee first, it’s a scam — see our guide to legit loan apps in Kenya.
Fuliza vs the alternatives
| App | Loan limit (KES) | Interest / fees | Speed | CRB? | Rating | |
|---|---|---|---|---|---|---|
| Fulizano app | 1 – 70K | Daily access fee (tiered) | Instant (overdraft) | No CRB | No reviews | Access via M-Pesa / USSD |
| Tala | 500 – 50K | ~5–15% / month (by term) | Minutes | Checks CRB | 4.5(458,957) | Get Tala |
| Branch | 250 – 70K | ~1.7–17.6% / month | Minutes | Checks CRB | 4.5(3,498,682) | Get Branch |
| Zenka | 500 – 30K | ~9–29% facilitation (by term) | Minutes | Checks CRB | 4.2(147,405) | Get Zenka |
Fuliza compared with popular alternatives. Indicative figures — confirm current terms in each app.
KenyaLoanApps is an independent comparison site — we are not a lender and don’t issue loans. Some “Get app” links are affiliate links that may earn us a commission at no cost to you; this never affects our rankings or the figures shown. Loan terms change often — always confirm current details in the app. See our full disclosure.
Prefer to see the full field? Read our ranked list of the best loan apps in Kenya, or if you’re listed on CRB, the loan apps without CRB.
Fuliza — FAQ
Is Fuliza legit in Kenya?
Fuliza is operated by Safaricom / NCBA & KCB. Genuine lenders never ask for an upfront fee before disbursing — Fuliza deducts nothing before your loan lands. Always download only the official app and confirm it is a licensed digital lender.
How much can I borrow on Fuliza?
Loan limits typically range from about KES 1 to KES 70,000. You start small and your limit grows as you borrow and repay on time.
Does Fuliza check CRB?
Fuliza does not require a clean CRB record, which makes it an option if you’re listed or new to credit.
How fast does Fuliza disburse?
Approved funds are typically sent to M-Pesa in instant (overdraft).
What are the requirements for Fuliza?
You’ll generally need: Registered Safaricom M-Pesa line, Active M-Pesa usage.