Get loans up to KSh 30,000 in just 10 mins. Money sent directly to your M-PESA. Kenya's popular online mobile loan
app with 10M+ installs. Download now!
Take out always-ready cash loans on your own terms with affordable fees. Apply through our secure app and get your approval in seconds. Choose your own due date and receive your money instantly through MPESA. Repay on time and you could double your limits in two months.
KEY TALA FEATURES
• Tala offers affordable and transparent pricing with fees as low as 4%.
• Choose a repayment date when you know you’ll have cash to be set up for success.
• Apply in minutes and get an instant decision.
• If approved, get your money straight to your MPESA.
• Apply 24/7 in our easy-to-use app.
• No paperwork, collateral, or bank account needed.
• Valid ID required.
• Cash is sent directly to your MPESA.
• Every time you borrow, choose up to 61 days to pay back.
• Friendly, understanding, compassionate customer experience
• Repeat access to cash. Just pay back what you owe in full before borrowing again (some exclusions apply).
• Answer a few questions in the app and you are set to go
• Tala secures your personal information with SSL encryption.
• Limits up to KSh 30,000.
• Most customers double or triple their limit in a matter of months.
• Earn KSh 500 off the next time you borrow when you refer friends to Tala!*
HOW IT WORKS
• Download the Tala app.
Download the app and we’ll tell you what information we need from you. In order to verify your identity and creditworthiness, kindly fill in your ID details.
• Apply in minutes.
Fill out our short application.
• Choose your terms.
Confirm your desired amount and due date.
• Get your cash.
Funds sent directly to your MPESA.
• Repay easily.
Use M-PESA Xpress or our Paybill number 851900 and the phone number you sign up with. You can pay in full or make partial payments, anytime on or before your due date.
• Borrow again.
After repaying in full, answer a few short questions and be eligible to receive your next round of funds.
WHO CAN APPLY
✔️ Any resident citizen of Kenya and 18+ years old.
✔️ Has a valid ID and a mobile number.
RECURRING LOAN TERMS
Every cash amount we offer is eligible for a 61 day repayment period.
You will have continuous access to cash if you clear your outstanding balance and keep your Tala relationship in good standing (some exclusions apply).
Always study the terms and conditions and the disclosure statements before proceeding with any transaction.
RATES AND FEES
• Credit limit amounts: KSh 1,000 to KSh 30,0000
• One-time service / interest fee: 4%- 34%
• Maximum Annual Percentage Rate (APR): 78.21% - 273.75%
• Late fee: one-time fee of 8% of outstanding amount due
• Minimum repayment period offered = 61 days
• Maximum repayment period offered = 61 days
• Example Fees: For a borrower who receives a KSh 4,000 from Tala for a 61-day term, they would be charged a service/interest fee as low as 14%, which would be KSh 560, and so a total payment of KSh 4,560.
• KSh 4,000 (borrowed amount) + KSh 560 (service / interest fee) = KSh 4,560 (total payment)
We always work towards making our products better for our users. If you see offerings that differ from what is described above please don’t hesitate to contact us.
PRIVACY & PERMISSIONS
* Referral terms & conditions: tala.co.ke/referrals/