No. 1 Guide to Increase Your Fuliza Limit

No. 1 Guide to Increase Your Fuliza Limit

In the world of digital finance and mobile money, Fuliza has emerged as a convenient and flexible solution for millions of users.

However, as with any financial service, understanding how to maximize your Fuliza limit is crucial.

In this comprehensive guide, we will delve into the strategies and techniques that can help you increase your Fuliza limit in 2023.

Introduction to Fuliza

Fuliza is a service offered by Safaricom, a leading mobile network provider in Kenya.

It allows users to access a credit facility linked to their M-Pesa accounts, providing them with the flexibility to make transactions even when their M-Pesa balance is insufficient.

While the initial Fuliza limit may start at zero for new Safaricom customers, it can be increased significantly by following the right steps.

Step 1: Make Fuliza Transactions More Often

One of the fundamental ways to increase your Fuliza limit is by engaging with the Fuliza service regularly.

Safaricom values loyalty and a good customer history, so making frequent transactions through Fuliza can work in your favor.

Here are some practical actions to consider:

  • Buy Airtime Using M-Pesa: Regularly top up your airtime using M-Pesa. This not only keeps your phone connected but also contributes to your Fuliza limit increment.
  • Repay Okoa Jahazi in Time: Ensure that you repay Okoa Jahazi loans on time. Timely repayments build trust with the service provider and can lead to a higher Fuliza limit.
  • Deposit and Withdraw Frequently: Utilize M-Pesa for depositing and withdrawing funds frequently. These transactions signal your active engagement and trustworthiness as a user.

By consistently using Safaricom services in these ways, you can naturally increase your Fuliza loan limit over time.

Step 2: Repay Your Outstanding Fuliza Balances in Time

Timely repayment is another key factor that can positively impact your Fuliza limit.

When you pay back your Fuliza loan promptly, you demonstrate responsibility and financial reliability.

This, in turn, encourages the service provider to grant you access to higher limits.

Here’s what you should do:

  • Prioritize Early Repayment: Focus on repaying your Fuliza balances as soon as possible. Early repayment not only enhances your credibility but also accelerates Fuliza limit increments.

Step 3: Maintain a Clean Credit Record

Having a tarnished credit record with other lenders can adversely affect your Fuliza limit.

It’s essential to ensure that you have a clean credit history, free from any negative listings with Credit Reference Bureaus (CRB).

Here’s how to do it:

  • Check Your CRB Status: Regularly review your CRB report to confirm that you have a clean record. Any negative listings can hinder your Fuliza limit increment.
  • Resolve Any Credit Issues: If you discover any issues on your CRB report, take steps to resolve them promptly. This may involve settling outstanding debts or disputes.

By maintaining a clean credit record, you improve your chances of increasing your Fuliza limit.

The Opt-Out and Opt-In Technique

While the aforementioned steps focus on natural Fuliza limit increments, some users may be interested in a more unconventional approach.

Note that this technique may reset your Fuliza limit to zero, so proceed with caution.

Step 1: Open your phone app and dial *234#.

Step 2: Select the “Fuliza M-pesa” option (usually option 0).

Step 3: Choose the “Opt Out” option (usually option 7).

Step 4: Confirm your choice by selecting “Yes.”

Step 5: Wait for 20 minutes and then repeat the process to “Opt In.”

This technique, known as the Opt-Out and Opt-In method, has been used by some to hack Fuliza limit increases.

However, please be aware that it comes with the risk of resetting your limit to zero.

Instant Fuliza Limit Increase

For those looking for an immediate boost to their Fuliza limit, there are some key considerations to keep in mind:

  • Utilize Safaricom and M-PESA Services: Continue using Safaricom and M-PESA services regularly, and be sure to top up your M-PESA account promptly. Customers who have been on the Safaricom network for less than 6 months may initially have a zero Fuliza limit.

Maximum Fuliza Limit

As of 2023, the maximum Fuliza limit stands at Ksh. 70,000, while the minimum Fuliza loan limit ranges from 1 to 70,000 KES.

Understanding this range can help you set realistic goals for increasing your Fuliza limit.


Increasing your Fuliza limit is not only achievable but also advantageous for managing your financial transactions effectively.

By following the recommended steps for natural limit increments, maintaining a clean credit record, and utilizing Safaricom services consistently, you can work towards a higher Fuliza limit.

However, if you choose to explore unconventional methods, such as the Opt-Out and Opt-In technique, be aware of the associated risks.

Ultimately, with the right approach and responsible financial behavior, you can enjoy the benefits of an expanded Fuliza limit in 2023.

Remember, financial decisions should always be made wisely, and it’s essential to understand the terms and conditions of the Fuliza service thoroughly.

Increase your Fuliza limit responsibly and enjoy the convenience it offers in your daily transactions.

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