Fuliza — review & details
M-Pesa's overdraft — it completes a payment when you're short and repays from your next inflow. A daily maintenance fee, not an interest rate: fine for hours or a day, expensive carried for weeks.
Overdraft only
Fuliza
★★★★☆
M-Pesa overdraft (NCBA/KCB-underwritten)
What It Is
1% access fee + tiered daily maintenance fee + 20% excise on the fee
Cost
Automatic from your next M-Pesa inflow
Repayment
Bridging hours/days, not funding weeks
Best For
small
Amount Tier
Pros
- Instant — completes a payment automatically
- No application
- Cheap if cleared same/next day
Cons
- Daily fee compounds into expensive short credit
- Next inflow is spoken for
- Not for anything beyond a bridge
How Fuliza compares in personal loans
| Fuliza | Hustler Fund | KCB M-Pesa | |
|---|---|---|---|
| What It Is | M-Pesa overdraft (NCBA/KCB-underwritten) | — | — |
| Cost | 1% access fee + tiered daily maintenance fee + 20% excise on the fee | 8% per year (pro-rated) — a fraction of app-loan cost; late = ~9.5%/yr on the overdue balance | Around 9.06% per 30 days — confirm the current facility fee |
| Repayment | Automatic from your next M-Pesa inflow | — | — |
| Best For | Bridging hours/days, not funding weeks | — | — |
| Read our Fuliza guide → | Read our Hustler Fund guide → | Read our KCB review → |
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