Skip to content
paybillke
Calculator
Calculator

Fuliza M-PESA cost calculator

See exactly what your Fuliza overdraft costs by amount and days outstanding. Daily access fee schedule, total fees, total to repay.

Fuliza amount borrowed
KES
Days outstanding
days

Fuliza fee accrues daily until repaid. Most users repay within 1 to 3 days.

Result

Daily access fee

KES 24

Total fees (5 days)

KES 120

Total to repay

KES 5,120

Effective annualised cost (APR equivalent): 175%. Fuliza is designed for 1 to 3 day shortfalls, not as a substitute for a 30-day loan.

Daily fees include the 1% excise paid to KRA. Verify against safaricom.co.ke before relying on amounts above KES 10,000.

How Fuliza pricing actually works

Fuliza is the M-PESA overdraft. When you try to send or pay more than your M-PESA balance, Fuliza covers the shortfall up to your assigned limit. Repayment is automatic from any incoming M-PESA transaction.

The cost is a daily access fee that scales with the amount borrowed. The fee is charged for every day the balance remains outstanding. Once the balance hits zero, fees stop accruing.

When Fuliza is the right tool

  • You are sending M-PESA to a recipient and short by KES 200, you expect M-PESA in tomorrow
  • You are at a Buy Goods till and need to top up by KES 1,500, salary lands within 48 hours
  • You need to complete a one-off transaction without abandoning the flow

When Fuliza is the wrong tool

  • You need cash for a week or longer (use M-Shwari, KCB M-PESA, or Hustler Fund instead)
  • You have repeatedly let Fuliza balances run for 5+ days (the daily fee structure punishes this)
  • You need cash to pay off another digital lender (you are stacking debt at compound rates)

Frequently asked

How is Fuliza calculated?

Fuliza charges a daily access fee on the amount borrowed, scaled by amount band. The fee accrues every day the balance is outstanding. Repayment is automatic from any incoming M-PESA. Total cost = daily fee × days outstanding.

Does Fuliza compound?

No. The daily fee is calculated on the original borrowed amount, not on accrued fees. So a KES 1,000 Fuliza outstanding for 5 days costs the daily fee × 5, not a compounding figure.

What is the maximum Fuliza limit?

Limits are assigned automatically based on your M-PESA usage history. Most users see limits between KES 1,000 and KES 70,000. The published top-tier limit is KES 400,000 for high-usage accounts.

Does Fuliza report to CRB?

No. Fuliza does not currently report to Credit Reference Bureaus. However, persistent unpaid balances can affect your future Fuliza limit and your overall M-PESA credit eligibility.

Is Fuliza cheaper than a loan app?

For 1 to 3 day shortfalls, yes. For anything longer than a week, no. The daily fee adds up quickly. M-Shwari at 7.5% per 30 days is significantly cheaper than holding a Fuliza balance for 30 days.

Related