Monday, August 11, 2025
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Easy-to-apply instant loans you can get from your M-Pesa account

Safaricom, through its mobile money platform M-Pesa has rolled out various credit solutions for customers seeking quick financial aid.

The products target various customers, including individual borrowers and small and medium sized enterprises (SMEs).

They include:

Co-Op post

Fuliza Overdraft

Fuliza M-Pesa overdraft is a continuous overdraft service that allows Safaricom’s M-PESA customers to complete their M-PESA transactions even when they do not have enough funds in their M-PESA account.

To get started, customers are required to be registered on M-PESA with an active Safaricom M-PESA line. Additionally, customers must opt into the Fuliza by dialing *334# to enjoy the service.

NCBA

Once subscribed, a customer can request for Fuliza as many times as long as it is within the allocated limit.

Fuliza limit is allocated based on the customer’s activities on M-Pesa, and is reviewed upwards or downwards depending on the usage and timely repayment of the facility.

M-Shwari loan

The M-Shwari loans are available for customers using the M-Shwari saving facility. The M-Shwari service is a paperless banking service offered through M-PESA that enables customers to open and operate an M-Shwari bank account through their mobile phone.

Through the service, customers can save as little as Sh1 and earn interest on their saving balance.

The product further provides access to instant loans of up to Sh50,000 repayable in 30 days.

To qualify for a loan, a customer must be an active M-PESA user for at least 6 months, save regularly on M-Shwari account and continuously use other Safaricom services such as Voice, Data, and M-PESA.

Co-op Bank account giving Kenyans cash advances and loans

KCB M-Pesa

KCB M-PESA is a savings and loan service that enables M-PESA customers to save as little as Sh1 and access credit of up to Sh1 million, payable within a month.

Through the service, customers earn interest of up to 6.3 percent p.a. on their savings balance and access loans instantly at a facility fee of 8.93 percent.

To qualify for the loan, customers must be active on M-Pesa for at least 6 months. Customers who are not more than 6 months old on M-PESA are assigned a KCB M-PESA loan limit of zero.

Fuliza Biashara

This is an overdraft designed for businesses using Lipa na M-Pesa tills. Through the product, M-Pesa merchants can access an overdraft of up to Sh400,000 to complete their business needs when short of finances.

The Fuliza Biashara overdraft is repaid automatically, meaning incoming payments to the till are first used to clear the overdraft. The product is accessible via the M-Pesa business app or USSD *234#.

Taasi Till loan

This product is designed to help M-Pesa merchants with at least six months of consistent Lipa na M-Pesa activity access loans of up to Sh250,000 to keep their businesses running.

The loan limits accessible is determined by the borrower’s transaction and loan repayment history. The product is accessible via USSD *234# under the “Business Loans” option.

Taasi Pochi

The Taasi Pochi credit solution is designed for business using the Pochi la Piachara platform to collect payments.

Through the product, small businesses can access instant loans of between Sh1,000 and Sh150,000  repayable in between 7 and 30 days depending on the amount borrowed.

To qualify for the loan, businesses must have been using Pochi la Biashara for at least six months.

To apply, merchants can simply dial *334# or navigate to “Business Financing” on the M-Pesa App and select Taasi Pochi.

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