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Tala Loan app: How to Apply for a Loan

By Oluchukwu Ikemefuna

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Tala, offered by Tala Mobile, is a loan app with over 5 million downloads on the Google Play Store and a 4.4 out of 5 star rating.

Tala loan application

Anyone with an Android smartphone can apply for a loan and receive an instant decision, regardless of their financial history. To access a loan, download the Tala app on your phone, register, and submit your loan application.

Also read: Update on LAPO Loans: How to Apply, Eligibility Requirements and Loan Packages


The Tala Loan App has emerged as a trailblazer in Kenya’s rapidly transforming digital finance landscape. With the country boasting over 64 million active mobile connections as of 2023, Tala seizes the opportunity presented by this digital surge to offer swift and hassle-free loans at your fingertips.

For Kenya’s over 18 million internet users, Tala streamlines financial needs. This mobile loan app transcends typical lending apps; it serves as a tool for economic empowerment and freedom.

Imagine the convenience of receiving instant loans directly on your mobile device, eliminating the need for physical bank visits or lengthy approval processes. The Tala Loan App facilitates this, catering efficiently to both small-scale and significant financial needs.

With the country’s median mobile internet connection speed at 20.41 Mbps, accessing the smooth and user-friendly Tala Loan App interface is just a quick download away. The platform’s vast customer base and positive reviews attest to its reliability and customer-centric approach.

This article guides you through downloading and utilizing the Tala Loan App, aiding in unlocking your financial potential. Whether you’re a first-time user or an existing customer seeking to maximize your experience, this comprehensive guide provides all necessary information.

Also Read: Stanbic USSD Code: How to Activate and Make use of it.

Tala Loan Limit and Interest Rate

Tala offers three loan limits:

  1. Bronze: This is the beginner level, with loan amounts ranging from Ksh 500 to Ksh 4,999.
  2. Silver: At this level, the minimum loan limit is Ksh 5,000, and the maximum loan limit is Ksh 9,999.
  3. Gold: The minimum loan limit for this level is Ksh 10,000, and the maximum loan limit is Ksh 50,000.

For each loan, Tala charges a flat service fee:

  • A 30-day loan incurs a service fee ranging from 7% to 19%.
  • A 21-day loan incurs a service fee ranging from 5% to 14%.

Tala Loan Limit and How to Increase it

Tala determines loan limits through an automated system that assesses various factors when deciding approval and loan amounts. Once you complete your application, the app will provide your loan limit.

The best way to raise your loan limit is through early or on-time payments. However, Tala mentions that while this can positively impact your limit, it cannot guarantee an increase or specify the amount since it considers multiple factors.

Also Read: Update on Zenith Bank Virtual Card: How to Get Yours, Features and Requirements

How to Apply for a Loan on Tala

To apply for a loan on Tala, follow these steps:

  1. Go to the Play Store on your smartphone and search for the Tala loan application.
  2. Tap on the Install button and allow the app to download and install.
  3. Once installed, launch the app and click on the ‘Sign Up’ button.
  4. Register on the app using your phone number.
  5. Enter the 4-digit verification code sent to your phone.
  6. Choose a 4-digit PIN number for logging into the app.
  7. Confirm your PIN.
  8. Accept the terms and conditions, including permissions for calls, SMS, Contacts, and location. After clicking ‘accept’, the app will prompt you to ‘allow’ the mentioned permissions.

Personal Loans: Tala Personal Loan Overview & Application Process

Money254.co.ke provides loan rate verification and cost breakdowns from Kenya’s top lenders to help you confidently apply for loans.

Tala Loan Details:

  • Visit Website: Tala
  • Loan Amount: Ksh1k–30k
  • Loan Period: 61 Days
  • Interest Rate: 0.3% Daily
  • Total Cost (incl fees): Varies based on loan period and amount

How to Apply for Tala Loan, App, Repayment, Fees & Contacts:

  1. Download Tala App: Search for the Tala loan application on the Google Play Store and install it on your smartphone.
  2. Registration: Launch the app, tap on ‘Sign Up’, and register using your phone number.
  3. Verification: Enter the 4-digit verification code sent to your phone and set a 4-digit PIN for app access.
  4. Accept Terms: Accept terms and conditions, including necessary permissions for calls, SMS, contacts, and location.
  5. Loan Limits:
  • Bronze: Ksh 500 to Ksh 4,999
  • Silver: Ksh 5,000 to Ksh 9,999
  • Gold: Ksh 10,000 to Ksh 50,000
  1. Service Fees:
  • 30-day loan: 7% to 19% service fee
  • 21-day loan: 5% to 14% service fee

Loan Application Steps:

  1. Homepage: Click on ‘Apply Now’.
  2. Information Input: Provide the requested personal and financial information accurately.
  3. Loan Purpose: Select the loan purpose from business expense, personal expense, or bill payment.
  4. Education and Employment: Input your education and employment history.
  5. Additional Income: Indicate any additional income sources.
  6. Spending Information: Provide details on how you spend your money.
  7. Loan Details: Enter the loan amount and choose the repayment period (21 days or 30 days).
  8. Submission: Click submit and wait for loan approval.
  9. Approval Notification: Receive an SMS notification regarding loan approval or rejection.
  10. Disbursement: If approved, the loan amount will be deposited into your M-Pesa account within minutes.

Contacting Tala:

  • SMS Contact: Draft a text message about your Tala loan or inquiries and send it to Tala SMS number ‎21991.

Also read: LAPO USSD Code: How to Activate and Use it

How to Repay Your Tala Loan App:

To repay your Tala loan successfully via the app, follow these simple steps:

  1. Open the M-Pesa menu on your phone.
  2. Select the “Lipa na M-Pesa” option and then choose “Paybill.”
  3. Enter the pay bill number: 851900.
  4. In the account number section, input the phone number linked to your Tala registration.
  5. Enter the loan amount you wish to repay and authorize the transaction by inputting your PIN.
  6. After authorization, you will receive an SMS confirmation from Tala indicating successful repayment of your loan.

Fees and Penalties when you Fail to Repay your Loan

When you fail to repay your loan on time, Tala applies fees and penalties according to the following guidelines:

If you miss the repayment deadline by 7 days, Tala charges an 8% fee on the remaining balance. Additionally, you are given an extra 14 days to settle the outstanding amount.

However, failing to repay the loan within 60 days after its due date leads to more serious consequences. Tala may report your name to the Credit Reference Bureau (CRB). Being blacklisted by the CRB can have adverse effects on your ability to borrow from other lenders in the future.

For any complaints or inquiries regarding Tala loans in Kenya, you can reach out using the following contact details:

  • Email: hellokenya@talamobile.com
  • In-app chat platform
  • Twitter: @TalaKenya
  • Facebook: Tala
  • SMS: 21991
  • Official website: Tala

Also Read: Update on LAPO Loans: How to Apply, Eligibility Requirements and Loan Packages

FAQs about Tala Loans in Kenya

  1. How do I apply for a loan with Tala?
    To apply for a loan with Tala, download the Tala app from the Google Play Store, register with your phone number, complete the application process, and wait for your loan limit to be determined.
  2. What are the loan limits offered by Tala?
    Tala offers three loan limits: Bronze (Ksh 500 to Ksh 4,999), Silver (Ksh 5,000 to Ksh 9,999), and Gold (Ksh 10,000 to Ksh 50,000).
  3. What are the repayment options for Tala loans?
    You can repay your Tala loan through the M-Pesa menu on your phone using the Paybill number 851900, your phone number as the account number, and your PIN to authorize the transaction.
  4. What happens if I fail to repay my Tala loan on time?
    If you fail to repay your Tala loan within 7 days of the due date, an 8% fee is charged on the remaining balance. Failing to repay within 60 days may result in reporting to the Credit Reference Bureau (CRB).
  5. How can I contact Tala for inquiries or complaints?
    You can contact Tala via email at hellokenya@talamobile.com, through the in-app chat platform, on Twitter (@TalaKenya), on Facebook (Tala), by sending an SMS to 21991, or by visiting their official website at tala.co.ke.


In conclusion, Tala provides accessible and convenient loan solutions for individuals in Kenya. With transparent terms, varied loan limits, and efficient repayment options, Tala aims to empower borrowers to meet their financial needs responsibly.

Should you have any questions or need assistance, do not hesitate to contact Tala through their various channels, including email, in-app chat, social media platforms, SMS, or their official website. Tala is committed to addressing your inquiries promptly and ensuring a positive borrowing experience for all users.

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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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