Safaricom has addressed growing concerns from customers who struggle with zero M-Shwari loan limits despite active use of M-Pesa services.
This came after a frustrated user, Atuti Tiberius, publicly questioned why he was not eligible for a loan, even after years of being a loyal Safaricom user. His post gained attention, pushing Safaricom to explain what really affects loan qualification on M-Shwari.
The telecommunications clarified that access to M-Shwari loans is not automatic. Loan limits are set by NCBA Bank based on several factors related to customer behavior and creditworthiness.
Safaricom explains common reasons for reduced Fuliza limits, how to increase
To increase your M-Shwari limit, Safaricom recommends the following steps:
- Save consistently on M-Shwari. Even small amounts deposited regularly can boost your credibility.
- Repay loans on time. Any delayed payments, including Fuliza and Okoa Jahazi, can hurt your score.
- Maintain high usage of Safaricom services such as calls, data bundles, and M-Pesa transactions.
- Stay active for at least six months. Building a financial history over time is key.
- Keep your CRB record clean. Any blacklisting can result in automatic disqualification.
Users can check their M-Shwari limit by dialing *234# or through the Safaricom app.
Safaricom added that loan limits are reviewed regularly based on your activity, repayment habits, and savings behavior.
With the current tough economy, many Kenyans depend on mobile loans to manage urgent needs. Understanding how to unlock higher limits can give users access to better financial options.
