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How to Check Your Fuliza Limit

A step-by-step walkthrough of the *334# USSD menu, what the reply means, and how to trigger a limit review.

01How to Check Your Fuliza Limit

Checking your current Fuliza limit takes under a minute and works on any phone — you don't need a smartphone or data bundle.

*334#
Dial this from your Safaricom line, then select Loans & Savings → Fuliza → Check Limit
1
Dial *334#Opens the M-Pesa services menu on your Safaricom line.
2
Select "Loans & Savings"Then choose "Fuliza" from the list of options.
3
Select "Check Limit"You'll receive an on-screen or SMS reply with your current available limit.

02What the SMS Reply Means

When your limit increases, Safaricom typically sends a message similar to:

📱"Dear [Name], your Fuliza M-PESA limit is KES 1,000.00. Keep using M-PESA to grow your limit."

This figure is your maximum available overdraft — not a fixed loan you must take. You can use anywhere from KES 1 up to that limit, and it only shrinks by whatever portion you've currently borrowed and not repaid.

03Using "Refresh My Limit"

Within the same *334# menu, Safaricom offers a "Refresh My Limit" option. This doesn't guarantee an increase, but it prompts an on-demand review using your most recent M-Pesa activity, rather than waiting for the standard periodic review cycle.

⚠️Refreshing repeatedly in a short period rarely helps and won't force an increase — the underlying activity and repayment pattern is what matters. Space refresh attempts out over weeks, not days.

04Limit Shows KES 0?

A limit of zero after checking usually means one of a few specific, fixable things. We've broken down exactly why this happens and what to do about it on a dedicated page.

See why your Fuliza limit might be stuck at zero

Read our full diagnostic guide, then run a free eligibility check to get your personal action plan.

Read the Diagnostic Guide →