How to Increase Your M-Shwari Loan Limit: A Practical Guide

Introduction

M-Shwari is a digital loan service integrated with M-Pesa that allows users to borrow against their mobile money activity. The loan limit is not fixed; it is determined by Safaricom's lending model, which uses your activity and repayment history. Because the exact formula isn't public, there is no guaranteed way to "increase" it quickly. Over time, as your profile proves reliability, you may see changes.

How M-Shwari loan limits work

M-Shwari uses risk-based assessment: your repayment history, frequency of using the service, overall M-Pesa activity, and line status. If you miss repayments or default, your limit may stay the same or be reduced. The lender evaluates multiple data points; there is no public formula.

Practical steps to potentially increase your limit

Build a good repayment history

• Pay on time and in full where possible.
• Avoid missed payments; late or skipped payments can raise risk.

Increase M-Shwari activity

• Use M-Shwari regularly for small loans you can repay; consistent activity helps demonstrate reliability.
• Keep your M-Pesa balance and usage steady.

Check and request within the app

• Open M-Shwari in the M-Pesa app, look for any option to request a higher limit.
• If the option is available, follow the prompts and ensure your profile information is up to date.

Be patient and monitor

• Changes to limits can take days to weeks, depending on your account history and Safaricom's policies.
• If you don't see a change, keep using the service responsibly.

Important notes

• The availability of higher limits is not guaranteed and depends on Safaricom's risk assessment.
• This is general information and not personalized financial advice. For guidance tailored to your situation, contact Safaricom or your service provider.

Conclusion

Increasing your M-Shwari loan limit is not something you can force quickly. Focus on building a solid repayment history and regular, responsible usage; over time, you may see your limit adjust.