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To increase Mshwari loan limit from zero, make sure you don’t default on your other loans. If you took a loan from a mobile loan App and didn’t repay, it means your name was forwarded to CRB and they blacklisted you. The best thing to do is to repay the loan and ensure you don’t default again.
You should also ensure that your line is always active and that you have been sending and receiving money through Mpesa. If your line has not been active, chances of getting a loan are low. A new line will also not get a loan—you have to use it for some time.
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