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Why is my M-shwari Loan Limit Zero?

ByElizabeth Atieno

Mar 16, 2023
Why is my M-shwari Loan Limit Zero?

M-Shwari is a popular mobile lending platform in Kenya that allows users to access loans and savings services through their mobile phones. The platform, which is a partnership between Commercial Bank of Africa (CBA) and Safaricom, has become a go-to source of financing for many Kenyans who are in need of quick and convenient access to credit. However, sometimes users may find that their M-Shwari loan limit is zero, which can be frustrating and confusing. In this blog post, we will explore the reasons why this can happen and what you can do about it.

Why is my M-shwari Loan Limit Zero?

Firstly, it is important to understand that M-Shwari loan limits are not fixed and can change depending on a number of factors. These factors include your credit history, repayment behavior, and the amount of money you have saved in your M-Shwari account. If your loan limit is zero, it may be because you have not met the criteria for a loan limit increase.

One of the most common reasons why M-Shwari loan limits are zero is due to late or missed loan repayments. If you have previously taken out a loan on MShwari and failed to repay it on time, your loan limit may be reduced or set to 0. This is because M-Shwari uses your repayment behavior to determine your creditworthiness and the amount of money you can borrow. To avoid this situation, always ensure that you repay your loans on time and in full.

Another reason why your M-Shwari loan limit may be zero is due to a lack of savings in your M-Shwari account. M-Shwari rewards users who save regularly with higher loan limits. If you have not been saving on M-Shwari or have been saving irregularly, your loan limit may be lower or set to 0. To increase your loan limit, you should consider saving more regularly and increasing the amount you save.

It is also possible that your M-Shwari loan limit is zero due to technical issues. If you have not used the platform for a while, your account may have been deactivated or suspended, leading to a zero loan limit. In this case, you should contact M-Shwari customer service to resolve the issue and reactivate your account.


In conclusion, a zero loan limit on M-Shwari can be frustrating, but it is not the end of the road. By understanding the reasons why your loan limit may be zero, you can take steps to increase it and access the financing you need. Remember to always repay your loans on time, save regularly, and contact customer service if you experience any technical issues. With these tips in mind, you can maximize your M-Shwari experience and achieve your financial goals.

Also Checkout: How to fuliza M-pesa loans