Safaricom Responds to User Complaints, Outlines Steps to Increase Fuliza Loan Limit

In response to growing concerns from M-PESA users about being stuck with very low Fuliza limits — despite frequent transactions — Safaricom has clarified how its Fuliza overdraft service actually works and what steps customers can take to grow their loan limit.

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Why Some Customers Get Low Limits

Safaricom says Fuliza isn’t a fixed “one-size-fits-all” credit line. Rather, it is a social-collateral service: the amount you can borrow depends on several behavioral signals.

When you first opt into Fuliza (by dialing *334# → Loans & Savings → Fuliza), Safaricom assigns a limit — but this isn’t permanent.

Only customers who have been active on the Safaricom network for at least six months are given a non-zero limit.

The limit is regularly reviewed (it can go up or down) and you’ll be notified via SMS whenever it changes.


What Safaricom Says Influences Your Limit Growth

According to the company, your Fuliza ceiling depends on several key factors:

1. M-PESA activity: How often you send money, buy airtime, top-up, withdraw, or pay bills via M-PESA matters.


2. Network usage: Your usage of Safaricom services beyond M-PESA — including calls, SMS, and data — also plays a role.


3. Loan repayment behavior: Repaying your Fuliza overdraft promptly — topping up your M-PESA account to clear the balance — shows you’re creditworthy.


4. Credit reputation: A good standing with credit bureaus may help.



Practical Tips: How to Potentially Increase Your Fuliza Limit

Based on Safaricom’s explanation and financial-advice sources, here are reliable strategies to improve your Fuliza limit:

Use M-PESA regularly. Frequent deposits, transfers, payments, and withdrawals can build a strong transaction history.

Pay back your Fuliza overdraft as quickly as you can. Timely repayments are one of the strongest signals that you are a dependable borrower.

Keep your Safaricom line active. Use not just M-PESA, but other services (calls, data, SMS), to show consistent engagement.

Use other Safaricom financial services responsibly. If you have M-Shwari, KCB M-PESA, or any other linked service, good performance there can boost your overall profile.

Be patient. Limit reviews happen periodically. According to some analysts, you may start seeing meaningful growth after consistent usage over several months.

Avoid scams: Be wary of social media pages or third parties that promise instant or massive Fuliza limit increases for a fee — many are fraudulent.


What Safaricom Warns Against

Safaricom specifically cautions against “get-rich-quick” schemes promising big Fuliza boosts: only its internal, automated system can adjust your limit, not any outside agent or app.


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Bottom Line: Safaricom emphasizes that increasing your Fuliza limit is not about paying someone or using secret codes — it’s about building a track record. Consistent M-PESA activity, reliable repayments, and staying active on the Safaricom network all improve your chances of being rewarded with a higher limit.

If you’re planning to post this on Sasa News, you can lead with the customer complaint as a hook, then walk readers through Safaricom’s explanation, and end with practical advice and a warning about