Tala: Fast & Safe Pesa Loan

4.6
467K reviews
10M+
Downloads
Content rating
Everyone
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About this app

Introducing Tala’s new personal line of credit offering continuous access to credit! Apply once and borrow against your credit limit of up to KSH 50,000 as often as you need to. Download the app & get started today! Tala is licensed by the Central Bank of Kenya & trusted by 8+ million customers.

👉 TALA KEY FEATURES
✔ Only 1 ID needed
✔ Takes only 5 mins to apply
✔ Quick cash approval
✔ Double your credit limits fast
✔ Rates as low as 0.3% per day
✔ No paperwork, collateral, or bank account needed

HOW IT WORKS
• Apply in Minutes
Download the app and answer a few easy questions so we can give you a customized credit offer.

• Choose your Terms
Confirm your desired cash amount and select your target repayment date.

• Get your Cash
Money sent directly to your MPESA.

• Continuous Access
Apply only once and get continuous access to borrow up to your approved credit limit (subject to terms and conditions).

• Repay Easily
Use M-PESA Xpress or our Paybill number 851900 and the phone number you signed up with. You can pay in full or make partial payments anytime, on or before your due date.

WHO CAN APPLY
✔️ Any resident citizen of Kenya 18+ years old
✔️ Eligible persons holding valid ID and a mobile number

Tala App Highlights

✔ ULTIMATE CONTROL
• No auto-debit - guaranteed! You decide when you are ready to repay
• If your plans change, the cost of your line of credit will automatically adjust

✔ NO HIDDEN FEES
• Daily interest rate as low as 0.3% (that is only KSh 6 per day for borrowing Ksh 2,000)
• Only pay for days you need
• No access charges

FAST LIMIT GROWTH
• Limits up to KSh 50,000
• Fastest limit growth in the industry
• Most customers double limits in months

SECURE
• Tala secures your personal information with SSL encryption
• Tala treats all customers with respect, even if you are late on repayment

REWARDING
• Earn KSh 500 off the next time you borrow when you refer friends to Tala*
* Referral Terms: tala.co.ke/referrals

PERSONAL CREDIT LINE TERMS
• Credit limit amounts: KSh 1,000 to KSh 50,000
• Daily interest is charged on the amount of credit you borrow, ranging from 0.3% to 0.6%

You are required to pay off your line of credit by the due date to avoid late payment interest equal to 8% of outstanding balances will be applied.

In accordance with The Excise Duty Act, you will also be charged 20% Excise Duty on daily interest and late payment interest, which is payable by Tala to the Kenya Revenue Authority.

All amounts payable by you for any credit line will be displayed prior to you accepting the credit line and disbursement by us to your mobile money wallet.

You will have ongoing access to cash if you clear your outstanding balance and keep your Tala relationship in good standing (some exclusions apply). All lines of credit are subject to terms and conditions. Always study the terms and conditions and the disclosure statements before proceeding with any transaction.

PRODUCT ENHANCEMENTS
We always work towards making our products better for our users. If you see offerings that differ from those described above, please don’t hesitate to contact us.

PRIVACY & PERMISSIONS
All data collected is to verify your identity and build your credit profile. Tala never discloses any personal information to anyone that is not you without your permission or sells your data to third parties. Tala is registered with the Office of the Data Protection Commissioner & our Privacy Policy is here:tala.co.ke/app-privacy-notice/

CONTACT US
Email: hellokenya@talamobile.com
SMS: 21991
Website: tala.co.ke

DISCLAIMERS
Tala is not a bank or a personal loan app. Instead, we provide personal lines of credit to consumers. Tala is not associated with online mobile cash loan apps in Kenya, such as Zenka, Branch, Timiza, Okash, MKopa, Fuliza, Kashway, MShwari, Zash, Ipesa, Mkopo Haraka, Kopesha, Asap, Creditmoja, Hustler fund, Credit Hela, Equity Bank app or Mkopo Rahisi.
Updated on
May 15, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 8 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.6
458K reviews
BERNARD KIHIU
May 26, 2024
Very efficient, very reliable, customer friendly, pocket-friendly interest rates and convenient repayment period based on your ability. I highly recommend it to any interested borrower. Without any exaggeration, you cannot compare Tala with any other lender. Others are harassing, impatient and rude to say the least. Tala all the time! #TALA, THE BEST ALL THE WAY, THE BEST FOREVER!
4,332 people found this review helpful
kerubo Wekesa
May 25, 2024
I am very impresses on the daily interest that is the earlier one pays the cheaper it is. It will be nice not to keep repeating g the same data information every time I request for a loan since you already have the information. Thanks for the service it is very good and return time is impeccable.
1 person found this review helpful
peter mburu
April 2, 2024
It's been great especially if you pay early because you pay less interest. Plus you may have an option to repay the loan upto 60 days, and your limit grows too. Great service. Back again. By far the best loan app. I highly recommend this to anyone.
155 people found this review helpful