Tala loan App: Tala application for instant mobile loan (2019)

If it is your fist time, Use this Referral code - YWNAZR - Make sure you write it down and use it to improve your chances of getting a loan


Use this Referral code – YWNAZR – Make sure you write it down and use it to improve your chances of getting a loan

Tala Loan App formerly Mkopo Rahisi belongs to a California-based finance company in Kenya which offers instant unsecured mobile loans to Kenyans. The company was formerly known as Inventure and is Kenya’s number one Finance App.

Sometimes back, they used to offer a maximum of Ksh 50,000. Today, Tala offers a minimum loan amount of Ksh 500 to first-time users and up to a maximum of Ksh 30,000 for subsequent users with good loan repayment history.

Tala has claimed that they don’t charge interest on loans instead take a service fee. This service fee depends on the loan repayment schedule you choose. The 1st one is a 30-day loan that attracts a 15% service fee. The other option is a 21-day loan offer that attracts an 11% service fee.

Compared to Banks & other Microfinance lending institutions, Tala Loans does not require general security such as a Payslip, Title Deed or Car Log Book. But it is essential to check your CRB status to know if you are blacklisted wrongly.

How does Tala mobile App work?

Once downloaded from Google Play Store and installed on your phone. Tala Loan App scans your SMS folder for Mpesa transaction history and your voice call pattern history to build a credit score.

They also use different data like your income level, your Mpesa usage and your loan repayment history from other providers.

Tala loans do not require any security and the average credit is Ksh 10,000, but first-time applicants are given a minimum of Ksh 500 and have to build their creditworthiness over time. The loan increment eligibility depends on your repayment behaviour of previous loans.

Tala app download Kenya

To download Tala Apk, All you need is a registered Mpesa line and an Android phone running OS 2.3.3 or higher.

Get to know where you can get instant unsecured mobile loans in Kenya.

How to use Tala Loans App (Tala Registration)

  • You don’t need the APK
  • You also don’t need a tala loan application form.
  • All you need is to head over to Google Play Store on your smartphone to download and install the Tala app
  • Link the app to your active Facebook account to register as a customer.
  • Provide further information to Tala such as your phone number and also by answering correctly the few personal questions provided.
  • Tala loan qualification is dependent on the feedback you give on these questions.
  • Relax, play or do something else while you wait for Tala to do their magic.
  • Check back after a while to confirm whether you have qualified and to also view the amount of loan you are eligible to get.

Tala loan repayment

Tala loan repayment can be done in several ways including:

  1. Through the App

    All you need to do is open the APP; it will display your current loan and ask you to make payment. This process will automatically open the M-Pesa Menu on your phone. You can copy-paste the values shown and make payment.

  2. Through Tala Paybill Number

Tala loan is also repaid directly through Mpesa Paybill number 851900 and your registered Tala phone number as the account number.

How to pay tala loan with Mpesa

Here is the step by step guide on how to pay tala loan with M-Pesa

  1. Access the Mpesa menu on your phone
  2. Select the Lipa Na Mpesa menu option followed by PayBill
  3. Enter Tala Paybill number 851900.
  4. Enter your phone number as the account number
  5. Follow Mpesa system prompt to complete your transaction (Mpesa charges apply)
  6. You should receive an SMS message from Inventure Mobile Kenya confirming your loan repayment.

Apart from the method above, you can use another person’s number to repay your loan as long as you use your registered Tala phone number as the account number.

Tala Loan App Advantages

  • Once you are qualified for a loan, the disbursement is fast hence making it reliable for emergency loans.
  • Ample repayment period even if your loan repayment date is overdue.
  • Loan defaulters are given a grace period of 60 days before being blacklisted.
  • Tala loan app provides scheduled loan notification of repayments to their customers.

Tala Loan App Disadvantages

  • High loan Interest rates compared to other free loan app operators.
  • With Varying interest rates from one customer to another and credit limit, it is challenging to determine your loan interest rate.

Kindly remember that all non-performing loans of more than 90 days overdue are listed as defaulter as provided in section 18 of the Credit Reference Bureau Regulations ACT 2013.

Tala Contact Details

Tala company provides several channels of communication for feedback; please click to find more on How to contact Tala.

Let us hear about your Tala loan app experience in the comment section below. Why don’t you share this post if you like it? 🙂

Other Mobile Loan Apps:

  1. Branch Loan App
  2. Jazika Loans
  3. Stawika Loan App
  4. Timiza Loan by Barclays
  5. Okash Loan App

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Rafa'el is an Engineer/Entrepreneur who loves turning everything he finds interesting into hard cash, including conversations and directions.


  1. My name is Bernard and i had applied for a loan and i would like to ask for the loan. i would like you to help me because i would like to pay for my rent and for my exam that is to to happen next week please.I would appreciate and and will pay my loan on time.

  2. I am Gilbert kosgei i need a loa of 10000 and i will retun in 6morths time my number is this 07252339370 ID NUMBER IS 31142087 Plz assist me

  3. Comment:Hi I’m peter opondo I’ve paid my loan one day before due, and it has not reflected upto date and I need to borrow another loan, please assist.
    This is my payment text.
    NE45OFMJLJ Confirmed. Ksh6,900.00 sent to Tala Mobile for account 0708476890 on 4/5/19 at 12:12 PM New M-PESA balance is Ksh50.10. Transaction cost, Ksh85.00.

  4. I made a payment yesterday before my due date but still being reflected in my account i need to apply for another loan please.

    regards cosmas account

  5. I would like to borrow a tala loan of ksh 5000 to enable me expand my horticulture farming project. Thanks

  6. Comment:help me I paid my 250 money to till no 668548 after seeing a notice that if you need a loan of 5000 register with 250 how do I get back my 250
    I need tala loan to boost my business please help me.

  7. Comment:I really love tala,since I always apply for a loan and no any difficulty I have got from them,I really rate them high,they are much different from other lender’s..bora ulipe pesa xao on time they are perfectly good

  8. Comment:i applied for a loan of kshs.10,000 and i was told to have 11%of what am borrowing in my account through an atm agent 555555,later my account not opened and had took shs.1000 from my account.kindly help

  9. Tala, I overpaid my loan by 150/ and since then, I’m trying to get a loan from you but can’t connect with you? What’s going on?

  10. Dear tala,, i havent settled my paymnt due to some health reasons ..kndly gv me a grace period of 2 months i will settle it out

  11. I downloaded Tala application on my Microsoft phone but since I applied I have never received any response.I need your assistance please.It’s my first time application

  12. Dear TALA, I’ve never used your services before but as I try to create an account it responds that my ID is already used in another account. Kindly assist in this.

    Kenn Kimani

  13. helo Tala,i received my first loan via mpesa, the same loan i repaid on 4th January 2019 and tried to again accesss tala app for a second loan but the app on my phone is not opening up…im stuck and need another one. which way foward Tala?

  14. its now a new still your not connected to me so i urged you pleace reviewed my request and send 34, 450/= to my m_pesa , my id no. 28394339, phone no. 0741652438

  15. I was ,once a panctual member,but my phone got stolen on abus,But when i re apply with another phone,i could nt be assisted.What can you advice me since iam in need of money?my number is 0722233831.

  16. Hi kindly asisit me i want to pay tala loan but my device is out of order ihave a desk top computer but i cannot log in to tala from it

  17. My registration to Tala is always rejected on the basis that someone else used my handset to register for Tala,….how can I resolve this coz I dont want to buy another handset now.

  18. I repaid my loan on the 29th of August 2018. Surprisingly, it was been listed to be in arrears on 12th of September 2018 (see below)

    For a week now, you keep insisting that you have not listed me and when I request for the batch number you sent out to CRB you tell me to clear my loan first, which falls due on the 29th of October 2018 FYI. I have been printing CRB reports at a cost and every time your loan is the same – in arrears. Can someone urgently look into this please?

    Trade Sector: Fintech Sector
    Account Type: Mobile Banking Loan
    Repayment Terms: MONTHLY
    Days In Arrears:: 0 days
    Listed Amount : 0.00
    Principal Amount: KES 24,000.00
    Last Payment:29-Aug-2018
    Listing Date:12-Sep-2017
    Scheduled Payments:
    Balance Amount: KES 27,600.00
    Disputed? NO
    Account Status: ACTIVE
    Arrears Amount: KES 27,600.00
    Worst Arrear: 0 days

  19. Hi tala, i am so thankful that ive met tala loan on facebook, i got my first loan approved immediately… i hope you could approve my second loan this time…

  20. Enter your comment here…my tala app has stopped unfortunately, I tried to appdate severally unsuccessfully,what would I do?

  21. I’m one of the client of Tala .I requested loan for but I’m not getting I don’t know what is the problem .The second loan

  22. Hallow Tala, Thanks so much for your efforts in helping people during emergencies. I got a loan and paid it using a different phone number even before the due date. but I thank God after good communication with you it was cleared. Now the challenge is I wanted another loan but I can’t get through at all. So I don’t know if you are blocking me from getting another loan or what.


  24. I made a payment before my due date, then i applied for my loan renewal ,got approved but after one day they said there is a problem sending your loan…i tried to email, send messages but its been 4 days but still no response from Tala


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