Advertisement
How to increase your Hustler Fund limit
07th October, 2025 12:13 AM
The Hustler Fund is a digital financial inclusion initiative designed to provide responsible finance access to personal users and micro, small, and medium-sized enterprises (MSMEs).
Launched in 2022, the Hustler Fund has so far disbursed Ksh72 billion, with over 26 million Kenyans benefiting from it.
Also Watch: Govt to punish Hustler Fund defaulters
Speaking on Tuesday, August 12, 2025, during Youth International Day in Kakamega County, President Ruto said the fund had made a direct and positive impact on millions of Kenyans, enabling access to affordable credit for those previously excluded from the formal financial system.
“This is the largest initiative of its kind, with a direct impact on our people. We have mobilised Ksh5 billion in savings and seen nine million repeat borrowers, which shows sustained trust and tangible benefits,” Ruto said.
“Through the Hustler Fund, five million beneficiaries have improved their credit scores, a game-changing development for young people who previously had no credit history.”
Also Watch: Defaulting Hustler Fund borrowers face loan access ban
Increasing one’s Hustler Fund limit involves following a registration process and maintaining good borrowing and repayment behavior.
How to register on Hustler Fund
To register on the Hustler Fund platform, borrowers need to dial the USSD code *254# or use the mobile app available on Safaricom, Telkom, and Airtel networks. The steps for registration are:
- Dial the Hustler Fund USSD code or access the app.
- Accept the Terms and Conditions to join the Fund.
- Enter the Mobile Money PIN.
- Upon successful completion of these steps, the borrower receives an SMS confirming successful registration and their initially assigned loan limit.
- If registration fails, the borrower receives an SMS notification of the failure.
How to Increase Your Hustler Fund Loan Limit
Initially, borrowers may receive loan limits ranging from a minimum of Ksh500 to a maximum of Ksh50,000. The ability to increase this limit depends primarily on the borrower’s borrowing and repayment history with the Hustler Fund. The Ministry of Cooperatives and MSME Development notes that:
- The loan limit is reviewed and adjusted based on the borrower’s credit behavior on previous loans.
- Regular use of the Hustler Fund for loans and timely repayments improves the chances of having the loan limit increased.
- Credit history and repayment performance determine subsequent loan eligibility and the potential rise in the loan limit.
- Borrowers who do not repay within the prescribed 14-day period face loan recovery processes and become ineligible for new loans until repayment is made.
- Defaulters incur penalties, including an increase in the annual interest rate from 8 percent to 9.5 percent after 15 days of default, which further emphasizes the importance of timely repayment.
Borrowers should consistently use the Husler Fund loan facility responsibly, ensuring timely repayment to build a strong credit record on the platform.
