Tala loan app, register, apply, repay loan, interest rates, increase limit.

Tala: Access Instant Mobile Loans in Kenya

Tala is a popular mobile lending platform operating in Kenya, offering fast and convenient access to unsecured loans. To qualify, you’ll need an ID card and be a regular M-Pesa user. This article is a quick guide to Tala app download, requirements and loan application.

Tala Loan Amounts and Eligibility:

  • Borrow up to Ksh. 50,000, based on your borrowing history and creditworthiness.
  • First-time borrowers receive Ksh. 1,000 – Ksh. 5,000, with potential to double within two months of responsible repayment.

Applying for a Tala Loan:

Download the App:

  1. Search for “Tala App” on the Google Play Store and install it.
  2. Open the app and choose “Sign Up” if you’re new, or “Sign In” if you have an existing account.
  3. Enter your M-Pesa registered phone number and verify it with the received code.
  4. Set a secure PIN.
  5. Grant Tala access to your contacts, SMS, and location to assess your creditworthiness.

Apply for a Loan:

  1. Enter your PIN and grant necessary permissions.
  2. Click “Apply Now” and answer all questions accurately.
  3. Review your loan offer, select your desired amount, repayment period, and frequency.
  4. Choose a convenient repayment date and confirm the terms and conditions.
  5. Your loan will be deposited directly to your M-Pesa account.

Alternative Application Method:

Alternatively, send a text message stating “Tala emergency loan” to 21991. You can also inquire about your loan balance by texting “Balance” to the same number.

Read Also:   15 Best Loan Apps in Kenya for Quick Cash (2024)

Tala Loan Fees and Interest Rates:

  • Tala loan app charges interest rates ranging from 5% to 19%, depending on your borrowing history and repayment behavior.
  • Service fees vary based on loan term:
    • 30-day loans: 7% – 19%
    • 21-day loans: 5% – 14%
  • Some users may qualify for lower rates and additional terms.
  • Timely repayments can improve your standing and potentially decrease future fees.

Repaying Your Loan:

  • Repay your loan within 7-30 days, either in full or via partial payments.
  • Late payments incur an 8% penalty on the outstanding balance.
  • Use Lipa Na M-Pesa to repay:
    1. Open M-Pesa Menu
    2. Select “Lipa Na M-Pesa” and “Pay Bill”
    3. Enter Tala’s Business Number (851900) and your M-Pesa number (as Account Number)
    4. Enter the repayment amount (including interest) and your M-Pesa PIN
    5. Confirm details and send
  • You’ll receive confirmation messages from Tala.
  • For delayed reflections, contact Tala support with the M-Pesa transaction code.
  • You can also make repayments for other Tala users using their registered phone number as the account number.


  • Borrowing responsibly is crucial. Only borrow what you can afford to repay on time.
  • Understand the terms and conditions before accepting a loan.
  • Late repayments can negatively impact your credit score and future loan eligibility.
Read Also:   Kenya Women Microfinance Bank, KWFT Branches, Contacts

Also Read:

  1. List of Mobile Loan Apps in Kenya and their Interest Rates
  2. How to Apply and Repay Zenka Loan Via App and USSD Code
  3. How to Apply for Timiza loan, Pay by Mpesa, and Interest Rates
  4. How to Apply for M-Shwari Loan, Repay, Save, and Interest Rates