What does Fuliza really cost?

See the real fee and equivalent APR before you borrow on Fuliza.

Amount borrowed (Ksh)

Ksh

Days until you repay

⚠️

730%

is the annualised cost of a Ksh 150 overdraft — against 109.5% on Ksh 10,000. The fee is a flat shilling amount per band, so the smallest borrowings cost by far the most.

Computed by JiPange from the published Fuliza tariff — banded daily fee, 1% access fee, 20% excise

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Ksh 3,000

as a standing M-PESA float — funded once from savings — saves about Ksh 7,632 a year for someone who otherwise carries that overdraft 20 days a month.

Computed by JiPange from the published Fuliza tariff

Spotted a figure that looks wrong? Tell us what it should be. Tax bands and rates change on somebody else’s schedule — a reader with their own payslip catches a stale one faster than we do.