To check your Fuliza loan balance and outstanding fees, use these quick methods on your Safaricom line. Fuliza displays both your outstanding principal (borrowed amount) and accumulated fees (access + daily maintenance) in real-time SMS confirmations or menus.
USSD Code Method (Fastest, No Data Needed)
Dial *234# from your Safaricom phone:
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Select Fuliza M-PESA (usually option 5).
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Choose Check Balance or Loan Balance—an SMS arrives instantly showing:
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Outstanding loan (e.g., KSh 1,200).
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Total fees due (e.g., KSh 45).
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Repayment amount (principal + fees).
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Available limit.
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Example SMS: "Fuliza Balance: Outstanding KSh 1,200. Fees: KSh 45. Total Due: KSh 1,245. Limit: KSh 5,000." Free and works offline.
M-Pesa App Method (Detailed View)
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Download/open MySafaricom App (or M-PESA App).
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Log in with your Safaricom number and PIN.
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Tap M-PESA > Lipa na M-Pesa > Fuliza.
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View dashboard: Current balance, fees breakdown, transaction history (last 5–10 loans), and repayment options.
Includes graphs for fees over time; set notifications for due amounts. Requires internet.
Alternative Checks
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Mini Statement: *234# > Fuliza > Statement—lists recent loans, repayments, and fees.
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SMS: Text BAL to 234 (some variants use STATUS to 234).
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Limit Check: *234# > Fuliza > Check Limit (shows max minus outstanding).
Tips for Accuracy
Fees include 1% access (one-time) + daily charges (KSh 10–30 based on balance). They accrue until repaid. Check daily to avoid suspension after 30 days. Repayments auto-apply from incoming funds. No charge for checks
