Have you ever tried to send money, pay a bill, or buy goods via M-Pesa only to find out you are short on cash? Fuliza is an instant M-Pesa overdraft service that lets you complete your transactions smoothly without delay.

Instead of applying for cash into your wallet, Fuliza automatically kicks in during a payment to cover the exact shortfall.

Quick Features & Limits:

• Loan Amount: You can get an overdraft limit from Ksh 100 up to Ksh 70,000 based on how actively you use M-Pesa.

• Repayment: There is no strict calendar due date. However, repayment is automatic. Any money deposited or received into your M-Pesa account will instantly go toward clearing your balance.

• Fees: A 1% initial access fee applies when you use the service. For daily maintenance, overdrafts under Ksh 1,000 offer a 3-day fee-free grace period. After 3 days (or for amounts above Ksh 1,000), a small daily fee applies until you clear the debt.

How to Activate Fuliza:

1. Dial *334# or *234# on your Safaricom phone line.

2. Select Loans and Savings.

3. Select Fuliza M-PESA and click Opt-In.

4. Once activated, whenever your M-Pesa balance falls short while sending money, paying via Paybill, or buying goods at a Till Number, M-Pesa will prompt you to complete the transaction using Fuliza.

Pros and Cons:

• The Good: It saves you from embarrassment or delays at checkout counters when cash is low. It is instant and requires zero paperwork or manual loan requests.

• The Catch: Because any money sent to your M-Pesa immediately pays off the debt, you cannot hold funds in your wallet until the Fuliza balance is cleared.

Tips to Increase Your Limit:

• Transact Frequently: Use M-Pesa regularly for buying airtime, paying merchant bills, and sending funds.

• Clear Balances Early: Pay back your overdraft quickly to demonstrate good credit health to Safaricom and its partner banks.

Would you like me to move on to drafting the seco

Need cash for an emergency, personal goals, or your business? Equity Bank offers quick and easy loans for everyone. Here are the best options you can get right now:

1. Instant Mobile Loans (No Paperwork)
You don’t need to visit a branch or sign papers. You can borrow directly from your phone:

Eazzy Loan: Dial *247# or use the Equity Mobile App. You can get from Ksh 1,000 up to Ksh 3 million instantly based on how you use your account. You have up to 2 years to pay it back.

Boostika: If you are sending money or paying a bill and your account balance falls short, Boostika lets you top up between Ksh 100 and Ksh 100,000 instantly to finish the transaction.

2. Business & SME Loans
If you want to grow your business or restock your shop, Equity has got you covered:

Unsecured Business Loans: You can now get up to Ksh 10 million for your business without needing to provide land or property titles as security.

Chama Loans (Pamoja Biashara): If you are in a registered group or Chama, your group can borrow up to Ksh 10 million together to boost your business projects.

3. Salary Loans (Equiloan)
If you are employed and your company works with Equity, you can borrow up to Ksh 5 million. The monthly repayments are automatically and safely deducted right from your salary for up to 6 years.

How to get approved faster:
Use your account often: Keep active by depositing your business sales, salary, or cash into your Equity account every month. This automatically increases your mobile loan limit.

Pay on time: Always clear your short-term loans early to build a great credit score for bigger loans later.

How to apply:
Just dial *247# on your phone, log into the Equity Mobile App, or walk into any Equity Bank branch near you today.