Fuliza M-Pesa overdraft limits range from a minimum of KSh 10 to a maximum of KSh 70,000 for individual users, determined by your M-Pesa transaction history and repayment behavior. Limits are personalized and reviewed periodically (often every 90 days), starting small for new users and increasing with consistent activity and timely repayments.
Fuliza Limit Tiers Overview
Fuliza doesn't have rigid "tiers" like some loans, but limits fall into broad categories based on user profiles:
| Tier Category | Typical Limit Range | Who Qualifies |
|---|---|---|
| Starter/New User | KSh 10–1,000 | Recent opt-in, low transaction volume |
| Regular User | KSh 1,001–5,000 | Frequent M-Pesa use, good repayments |
| Advanced User | KSh 5,001–20,000 | High activity, savings linked |
| Premium User | KSh 20,001–70,000 | Long-term reliable history |
These evolve dynamically—no fixed thresholds. Businesses have a separate Fuliza ya Biashara up to KSh 400,000 via till overdrafts.
Factors Affecting Your Limit
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Transaction Volume: Regular sends, bill payments, and deposits boost it.
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Repayment History: Clear loans within 30 days.
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Linked Savings: M-Shwari savings improve scores.
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CRB Status: Defaults suspend or lower limits.
Check yours via *234# > Fuliza > Check Limit for an SMS update
