TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaFuliza vs M-Shwari: which is right for you?
Fuliza and M-Shwari are both Safaricom-NCBA mobile credit products, but they serve completely different needs. Fuliza is a continuous overdraft for closing immediate gaps. M-Shwari is a structured 30-day loan for planned spending. People often confuse them and pick the wrong one.
Fuliza
lending,*334#
M-PESA's continuous overdraft facility, automatically offered when an M-PESA balance is short.
Detail pageM-Shwari
lending,*334#
Safaricom and NCBA's structured savings-and-loan product accessed via M-PESA USSD.
Detail pageWhich is better for what
Quick guide by use case. Pick the row that matches your situation.
For a transaction that is short by KES 200
Fuliza covers the gap on the spot and auto-repays from your next inflow. No menu needed.
Fuliza
For a planned KES 5,000 expense over 30 days
M-Shwari's structured 30-day terms are much cheaper than holding Fuliza debt that long.
M-Shwari
For an emergency at midnight
Fuliza is always available the moment you try to transact and falls short.
Fuliza
For someone who already saves on M-Shwari
M-Shwari uses your savings to compute a higher loan limit. Use what you have built up.
M-Shwari
At a glance
| Fuliza | M-Shwari | |
|---|---|---|
| Sector | lending | lending |
| M-PESA paybill | *334# | *334# |
| Detail page | View | View |
Compare lenders
Compare Fuliza and M-Shwari live
A small first transfer or loan application is the fastest way to see real all-in cost for your specific case.
BR
Branch
CBK-licensed
Mobile loans with credit-history building. CBK-licensed.
Visit BranchZN
Zenka Finance
CBK-licensed
First loan free, then competitive rates.
Visit Zenka FinanceCommon questions
Which is cheaper for 30-day borrowing?
M-Shwari, by a wide margin. M-Shwari charges 7.5% over 30 days; Fuliza's daily charge of around 1.083% accumulates to roughly 32% over 30 days.
Can I use both at once?
Yes. Many users hold an M-Shwari loan for planned spending and a small Fuliza overdraft for transaction gaps. Just be careful about debt stacking.
Are both reported to credit bureaux?
Yes. Both are reported to the CRBs in Kenya. Defaults on either show up on your record.
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