The Tala loan app is considered the best loan application in Kenya by many within that industry. The app has over 5 million downloads on Google Playstore and more  Kenyans  have also liked it because of its convenience and accessibility and how easy for them to get loans without much struggle.

How Tala Works 

Tala  App works on an automated computer based system that is free from human bias that determine borrowers eligibility on personal level in a matter of seconds.

Tala App uses data from your phone including handset details and financial transaction messages and other loans repayment history.

This is how to Go about it

  1. Download the loan app from the Google play store( You can download it here)
  2. Fill out the Tala loan application form found in the app
  3. They determine if you qualify
  4. You choose the amount you want to borrow
  5. The loan is sent to your M-Pesa in an instant.

Tala loan app gives loans ranging from 500/= when you are a first-time applicant to Ksh. 30,000, which is the maximum you get. To get the maximum, you will borrow and repay in time over a period of time.

Tala Loan Requirements

For you to use this loan app, you need to meet the following Tala loan requirements:

  • A Smartphone – You cannot access Tala using a Kabambe type of phone
  • Be 18 years old with a phone number and
  • National Identification Number
  • Have a Safaricom line with M-Pesa activated. They send your loan to M-Pesa directly (One you register with).
  • Have used your phone and transacted on M-Pesa previously.

That is basically what you need. Currently, Tala does not access Credit records, so it does not matter whether you are listed on CRB or not

Loan Application Process

  1. Download the app to your smartphone
  2. Locate the app on your phone and open it
  3. Choose the language you are comfortable using (English or Swahili)
  4. Create an account
  5. Enter your phone number and PIN, then verify your phone number
  6. Check the amount you qualify
  7. Follow the process to fill out the Tala loan application form
  8. Apply for a tala loan
  9. Choose the Payment schedule (21 days or 30 days)
  10. Tala will send your loan but before that, make sure you agree to the terms and conditions.

How To Repay Tala loan via MPESA

Tala gives you either 21 days or 30 days to repay your loan. At the end of these payment schedules, here is how you can repay tala.

  • Send the amount to the Tala Pay Bill 851900
  • I prefer the second method, which is through the app. This is easy, allowing you to know how much you can repay at any specific time. You have to open the app, and your Tala loan balance will be available to you.

The process is simple and can be done in just a few steps, as demonstrated above.

Quick Ways To Contact Tala app customer care

There comes a time when you need to get in touch with Tala for one reason or the other. This is how go about it: 

  • When using the app, you will see a place to contact them. This is easy and direct.
  • You can text them at 21991
  • Or you can email them at hellokenya@talamobile.com
  • The company also has a presence on Social Media; you can reach them on Facebook or Twitter.
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