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Activating and Repaying a Fuliza Loan – A Simple Guide

How to Activate and Repay a Fuliza Loan: A Step-by-Step Guide

Are you looking for a quick and easy way to get cash when you’re broke? Do you need to pay for an emergency expense but don’t have the funds right now? If so, then a Fuliza loan might be just what you need. In this article, we’ll guide you through the process of activating and repaying a Fuliza loan.

What is a Fuliza Loan?

A Fuliza loan is a service provided by Safaricom, Kenya’s largest telecommunications company. This service allows customers to borrow money from their mobile network operator (MNO) account balance, which can then be used to pay for goods and services, or transferred to other M-Pesa accounts.

Fuliza loans are designed to help users meet their urgent financial needs without having to go through a lengthy application process or provide collateral. It’s a quick and convenient way to get access to funds when you need them most.

How to Activate a Fuliza Loan

Activating a Fuliza loan is a straightforward and simple process that can be done in just a few steps:

1. Check if You’re Eligible

To activate a Fuliza loan, you must meet the following requirements:

  • You must be a registered M-Pesa user
  • Your M-Pesa account must be active for at least six months
  • You must have a good credit score with Safaricom and have a history of timely repayments

If you meet these requirements, you’re eligible to activate a Fuliza loan.

2. Dial *234#

To activate a Fuliza loan, you need to dial *234# on your mobile phone. This will bring up a menu with different options. Select the option for “Fuliza M-Pesa” and then follow the prompts to complete the activation process.

3. Receive Notification

Once you have successfully activated your Fuliza loan, you will receive a notification via SMS confirming the amount of credit that has been granted to you.

How to Repay a Fuliza Loan

Now that you’ve activated your Fuliza loan, it’s important to repay it on time to avoid penalties or negative repercussions. To repay your Fuliza loan, follow these simple steps:

1. Check Your Balance

Before you can repay your Fuliza loan, you need to check your M-Pesa account balance to ensure that you have enough funds to cover the repayment. You can do this by dialing *234# and selecting “M-Pesa” from the menu.

2. Go to M-Pesa Menu

Once you’ve confirmed that you have sufficient funds, go to the M-Pesa menu on your phone and select “Lipa na M-Pesa”.

3. Choose Paybill Option

Next, select the “Paybill” option and enter the business number 255255. This is the paybill number for Safaricom Fuliza loans.

4. Enter Account Number

In the account number field, enter your phone number followed by the letter “F”. For example, if your phone number is 0712345678, you should enter 0712345678F.

5. Enter Repayment Amount

Enter the amount you wish to repay in the amount field. Note that you must repay the full amount borrowed plus the interest accrued.

6. Confirm Payment

Review the payment details and confirm the transaction. You will receive an SMS notification confirming that your Fuliza loan has been fully repaid.


Activating and repaying a Fuliza loan is a quick and easy process that can be done in just a few simple steps. By following the steps outlined above, you can get access to the funds you need quickly and conveniently.


1. Can I activate a Fuliza loan if I don’t have an M-Pesa account?

No, you must have an active M-Pesa account to be eligible for a Fuliza loan.

2. What is the interest rate for a Fuliza loan?

The interest rate for a Fuliza loan is 1.083% per day.

3. Can I repay my Fuliza loan before the due date?

Yes, you can repay your Fuliza loan at any time before the due date without incurring any penalties.

4. What happens if I don’t repay my Fuliza loan on time?

If you fail to repay your Fuliza loan on time, you will be charged a penalty fee of 1% per day on the outstanding balance.

5. How many times can I borrow a Fuliza loan?

You can borrow a Fuliza loan as many times as you want, as long as you meet the eligibility requirements and have a good credit score with Safaricom.



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