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What does Fuliza really cost?
See the real fee and equivalent APR before you borrow on Fuliza.
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~400%
is Fuliza's real annualised cost. KSh 6.75/day on a KSh 600 borrow feels small — it's the most expensive credit most Kenyans ever use.
Safaricom FY2026 · JiPange APR calculation
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KSh 3,000
as a standing M-Pesa float — funded once from savings — eliminates most Fuliza use and saves KSh 2,000–4,000/year in fees.
JiPange calculation