How to Fuliza

As an mpesa user, you will need to know how to Fuliza. This is so that you are able to access a quick mpesa loan in the form of an overdraft from your m-pesa wallet.

It is one of the mpesa loan facilities offered as an overdraft on your m-pesa wallet. 

Below, find the steps on how to Fuliza for paybill, buy goods and send money transactions.

How to Fuliza mpesa

Fuliza is a service that is easy to use. All you need to do is use the mpesa service as you would normally do and then follow the steps below

1. Make sure you have registered for the fuliza service.
   
2. Open mpesa menu.
   
3. Select either send money, paybill
   or buy goods. (See what you can and can’t pay for using Fuliza)
   
4. Enter amount
   
5. Press OK to complete transaction.
   
6. Enter your PIN.
   
7. Press OK.
   
8. The Fuliza Option will pop up.
   
9. Select yes.
   
10. Press OK to complete Fuliza transaction.
    

How to Fuliza when using paybill

1. Open mpesa menu
   
2. Select lipa na mpesa
   
3. Choose paybill
   
4. Input the paybill number followed by account number.
   
5. Enter the amount you need to pay and Press OK.
   
6. Next, Enter your PIN number and press OK.
   
7. The Fuliza option will pop up.
   
8. Select yes.
   
9. Press OK to complete the Fuliza transaction.
   

If the transaction is successful, you will receive a message confirming that the payment completed well. In case the payment through Fuliza doesn’t complete successfully, make sure to check your limit.

How to Fuliza using buy goods

1. Open mpesa menu
   
2. Select lipa na mpesa
   
3. Choose Buy Goods
   
4. Input the Buy goods till number.
   
5. Enter the amount you need to pay and Press OK.
   
6. Next, enter your PIN number and press OK.
   
7. The Fuliza option will pop up.
   
8. Select yes.(1)
   
9. Press OK to complete the Fuliza transaction.
   

How to Fuliza when sending money

1. Open mpesa menu
   
2. Select Send money
   
3. Enter the recipient’s phone number
   
4. Enter the amount you need to pay and Press OK.
   
5. Next, enter your PIN number and press OK.
   
6. The Fuliza option will pop up.
   
7. Select yes.
   
8. Press OK to complete the Fuliza transaction.
   

How to check your limit

To check your fuliza limit / balance, dial code *234# and select Fuliza mpesa. Next, you will select check your limit. Wait for an SMS message confirming your available limit.

Summary

Always make sure to follow the terms and conditions.