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Why your M-Shwari Loan Limit is Zero


Why is it that your M-shwari loan limit is zero? There are several reasons as to why that is happening to your account.

M-shwari is a mobile money service provided in collaboration between Safaricom and NCBA Bank. In this business partnership, Safaricom provides the platform while NCBA provides the funds.

The loans provided by Mshwari mobile wallet range between ksh 100 and ksh 50,000.The loans are disbursed instantly into your M-Pesa account after application and approval.

There's more to loans when you became an M-Shwari customer. You can save money and earn interest or withdraw your cash at anytime.

But why is it that your loan limit is zero? The most interesting part of being an M-Shwari customer is when you can get loans when you need cash.

Not every borrower qualifies and these are the reasons why M-Shwari will tell you that your loan limit is zero, meaning you can take loans at that moment;

  • If your Safaricom line have been in use for less than six months. 
  • If you have not been actively using Safaricom products including voice,data and Mpesa 
  • If you're blacklisted by CRB
  • If you have an active/unpaid Mshwari loan
  • If have not saved with M-Shwari. 
To check your Mshwari loan limit,
  • Go to Mpesa 
  • Loans and Savings 
  • M-Shwari 
  • Loans
  • Check limit 



  1. I have been saving frequently in mshwari locks saving bt my limit remains zero why?and what is this 7.5 fee mean

    1. It has been years now I have tried but still thesame my limit is 0.

  2. Replies
    1. Same to me about my limit remains zero why

  3. I hve been savings with m shwari but when I requested for a loan my limit remains zero what's up

    1. I have savings with m shwari but when I requested for a loan my limit is zote

  4. Replies
    1. Am still in mshwari for year but my limit is still zero and I don't have any loan?

  5. I have been saving frequently but my limit still remains zero,,,,why

    1. Paid save limit remain zero

  6. I have been saving and using mpesa daily but my limit is still zero why???

  7. Same here still zero

  8. I have been denied loans by M-shwari since 2020, even after clearing up my loan. My limit has been Zero limit todate. It's like NCBA did not updated their records since 2019. You can imagine the type of business, if it's punishing people. These business earns then profit, now, they closed people from accessing their loans, so who runs into a loss? Whatever the reasons and intentions they had, it's like they see different things and a customer to the one concerned is nothing.
    If I may be asked, I would propose M-shwari should not be mandatery be twined with M-Pesa, so that people can choose what to use. To me it's using my space in the phone,
    Why should it be in M-Pesa platform if it is selective? We paid for clearance since 2019, followed the matter in 2020, but todate, limit is still Zero.
    Why retain it? It has no use anymore.
    Thank you


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