Kenyans borrow Sh629bn from Fuliza as digital overdraft gains pace

Safaricom app

A phone owner using Safaricom's M-Pesa application. 

Photo credit: File | Nation Media Group

Safaricom’s overdraft service, Fuliza, saw the number of active users rising 22.2 percent to 9.1 million in the six months to September 2025, up from 7.5 million in a similar period last year.

According to Safaricom’s half-year financial results released on Thursday, Kenyans borrowed a total of Sh629.2 billion through Fuliza, an increase of 39.8 percent from Sh450 billion last year.

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Note: The results are not exact but very close to the actual.