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How to Download the Tala Loan App

By Oluchukwu Ikemefuna

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Are you wondering how to download the Tala loan app on your device? If you’re a first-time user, this is likely the main question on your mind. There’s no need to panic, as the process of downloading the app to your mobile phone is incredibly straightforward. Just follow a few simple steps, and you’ll be ready to use the app in no time.


Formerly known as Mkopo Rahisi, Tala was among the pioneers in providing mobile loans that necessitated only online registration and application. It provides instant loans accessible through mobile phones. While the service is available in Kenya, the lending company itself is headquartered in California, USA.

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Tala loan app

How does Tala Work?

Tala operates as an instant loan app in Kenya, accessible on smartphones and other mobile devices. To begin using this service, the first step is to download the app onto your device, followed by completing the registration process and applying for a loan.

Upon qualification, the loan amount is swiftly deposited into your M-Pesa account. The loan limit is determined by your M-Pesa transaction history, meaning that frequent transactions result in a higher loan limit. The app scans your phone’s M-Pesa messages to gather this data.

Initially, the loan limit typically starts at Kshs. 500 or more, with the potential to increase up to Kshs. 50,000 over time. Increasing your limit involves utilizing the service more, making early repayments, and conducting multiple M-Pesa transactions.

Tala eliminates the need for collateral or a guarantor with its unsecured loans. However, this results in shorter repayment periods compared to traditional financial institutions, currently set at 30 days or 21 days.

The loans incur a service fee, which Tala refers to as an “interest rate.” Presently, the service fees stand at 15% for 21 days and 11% for 30 days. To access the service, you require an internet-enabled device like a smartphone or tablet, along with the Tala loan app.

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Downloading Tala for Android

For Android users, you can find the Tala loan apk on the Google Play Store. Follow these simple steps to install the Tala loan app on your Android device:

  1. Open the Google Play Store on your Android phone or device.
  2. Search for “Tala” and install the app.
  3. Register for an account, providing details like an activated M-Pesa line, full name, and national ID/passport number.

Tala Loan App for Microsoft

For Microsoft users, download the Tala app by following these steps:

  1. Visit the Microsoft Store on your phone or tablet.
  2. Search for “Tala” and click Get to install the app.
  3. Register and begin borrowing.

Unfortunately, Tala for iPhone and other iOS devices is not currently available. This is because Tala requires access to text messages to determine loan eligibility, and Apple’s operating systems prioritize security, making such access challenging to obtain.

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FAQs on the Tala Loan App

  1. How do I download the Tala loan app on my Android device?
  • Answer: You can find the Tala loan app on the Google Play Store. Simply search for “Tala” and install the app to get started.
  1. Can I download the Tala app on my Microsoft device?
  • Answer: Yes, you can download the Tala app on your Microsoft phone or tablet from the Microsoft Store. Search for “Tala” and click Get to install the app.
  1. Is the Tala loan app available for iPhone or other iOS devices?
  • Answer: Unfortunately, Tala for iPhone and other iOS devices is not currently available due to limitations in accessing text messages required for loan eligibility assessment.
  1. What personal details are required to register for a Tala account?
  • Answer: You will need to provide details such as an activated M-Pesa line, full name, and national ID/passport number during the registration process.
  1. How does Tala determine the loan amount I qualify for?
  • Answer: Tala assesses your loan eligibility based on your M-Pesa transaction history, with more transactions leading to a higher loan limit over time.
  1. What are the repayment periods and service fees for Tala loans?
  • Answer: Tala loans have repayment periods of 30 days or 21 days, with service fees currently set at 11% for 30 days and 15% for 21 days.
  1. Are Tala loans secured or unsecured?
  • Answer: Tala loans are unsecured, meaning you do not need to provide collateral or a guarantor. However, this results in shorter repayment periods compared to traditional loans.
  1. How can I increase my Tala loan limit?
  • Answer: You can increase your Tala loan limit by using the service more frequently, making early repayments, and completing multiple M-Pesa transactions.


In conclusion, the Tala loan app revolutionizes the borrowing experience by providing instant loans through a simple and convenient mobile platform. With its user-friendly interface and easy access on Android and Microsoft devices, Tala caters to a wide range of users seeking quick financial solutions.

While Tala’s availability on iOS devices remains a limitation due to Apple’s stringent security measures, its seamless integration with M-Pesa and innovative loan assessment methods make it a preferred choice for many borrowers in Kenya.

Whether you’re a first-time user looking to download the app or an existing customer aiming to increase your loan limit, Tala offers a transparent and efficient lending process. Therefore, keep in mind the tips and steps outlined in this guide to make the most out of your Tala loan experience.

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Christian Maximilian
Christian Maximilian

I am a Software Engineer, technical writer, and overall tech enthusiast. For me, utilizing my skills as a Software Engineer to perform Technical Search Engine Optimization is not just a job, but something I gladly incorporate into my pastimes as well, and I have been doing this for over 3 years.

When I'm not coding or writing technical documentation, I enjoy listening to music and exploring new genres.

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