As 2026 begins amid rising living costs, many Kenyans are turning to mobile loans to manage daily expenses. Fuliza, the popular overdraft service offered by Safaricom through M-Pesa, continues to play a critical role for millions facing short-term cash shortages.
With schools reopening, transport fares increasing, and households adjusting after the festive season, Safaricom has outlined simple ways users can access Fuliza instantly.
🔹 How Fuliza Loans Work on M-Pesa
One of the easiest ways to access Fuliza is directly through the M-Pesa menu. When sending money or paying via Lipa na M-Pesa, users with insufficient balance are automatically prompted to use Fuliza.
Once accepted, the transaction is completed instantly, allowing users to continue with their payments without interruption.
🔹 Using Fuliza to Pay Bills and Buy Goods
Fuliza also applies when paying electricity tokens, water bills, school fees, or shopping at supermarkets using Till numbers.
As long as a customer is eligible and within their approved limit, the service automatically covers the balance needed to complete the transaction.
🔹 How to Check Your Fuliza Loan Limit
Customers can easily check their Fuliza loan limit and transaction history through the MySafaricom App.
The app allows users to:
- View their available Fuliza limit
- Track past transactions
- Monitor outstanding balances
Safaricom continues to encourage customers to manage services digitally for convenience.
🔹 Access Fuliza Using USSD (*334#)
For users without smartphones or reliable internet access, dialing *334# remains a reliable option.
M-Pesa transactions made through USSD automatically trigger Fuliza when funds are low, ensuring access for all users across the country.
🔹 Important Reminder on Fuliza Repayment
Safaricom has emphasized that Fuliza is a credit service, and all amounts used are deducted automatically once money is received.
Financial experts advise Kenyans to monitor their usage carefully to avoid accumulating daily charges, especially during tough economic periods.
🔹 Why Fuliza Remains a Lifeline in 2026
As digital payments continue to dominate Kenya’s economy, Fuliza’s multiple access options help users stay financially flexible and connected.
For many households, the service remains an essential backup during emergencies and cash shortages.
