How To Download Tala Loan App in Kenya

Tala loan app is one of Kenya’s leading loan apps. Tala app is one of the best instant personal loan apps.

The loan app offers instant mobile loans between the range of Ksh 500 to Ksh. 30,000. Initially, the loan provider had a maximum limit of 50,000 I don’t see that anymore in my App.

I am going to take you through how to get started with Tala App in Kenya and how you can get your loan straight to M-Pesa.

In case you don’t know, Tala formerly Mkopo Rahisi is one of the fantastic mobile loan apps in Kenya. It was launched in Kenya in 2014 and ever since been helping many Kenyans sort our their financial situations.

How to download Tala Loan App

Follow the following steps to download and install Tala on your mobile phone:

  1. If you are on an android phone, visit The Google Play Store
  2. Check the reviews; you will see all the good reviews about this App.
  3. Download the App, and it will install on your phone. You are now ready to start using Tala Loan App.

How to register on Tala app

Tala registration is simple; there is no Tala loan application form as many think because you do everything on the App. Check the following Tala Registration process:

  1. Once downloaded, open the App, and you will be asked to link your mobile number.
  2. The number will be verified and will register you automatically.
  3. Tala will check for information about you on your phone. This information is from your SMS to see how you transact M-Pesa, your income, and other information. It also uses your CRB Status to determine your credit score.
  4. You are registered and now have a tala account.

How do I apply for a loan at Tala?

Once installed, you have to request for a loan to check if you qualify or not, you will fill some questions before being granted credit. I find these questions research questions and don’t matter whether you are eligible for a loan or not.

If you find that you don’t qualify, keep trying and let the App stay on your phone, don’t uninstall it. If you are eligible, you will get an offer worth the amount you qualify for.

Tala gives you two options for repaying your loan. You can choose to pay after seven days or after 30 days. The longer it takes to pay the expensive the loan will be.

Choose an option you are comfortable with, for me, I find the seven days so little because time goes by so fast.

After you click accept, the loan will be sent instantly to your M-Pesa account.

How do you pay Tala?

After you receive your loan, make plans to repay it as soon as possible. This is the only way to increase your loan limit on Tala.

The only way to repay your Tala loan is through Safaricom Lipa Na M-Pesa Paybill number 851900. Tala App has advanced the payment process.

  1. Open the Tala App, and you will see the loan you want to pay.
  2. Click on MAKE A PAYMENT Text
  3. Confirm the loan amount you are to pay
  4. Click the Submit Payment button, and your M-Pesa will pop up.
  5. Copy the Paybill Number and paste it into the Mpesa pay bill slot
  6. Then copy the account number, i.e., your mobile phone number.
  7. Finally, copy the amount in the amount and make payment.

See the diagram below for Mpesa Repayment

Tala contacts

If you ever encounter a problem and looking for Tala Contacts, then read on how to contact the tala team. There might be many reasons why you need to reach Tala Kenya and here are some of the ways to get in touch with them:

  1. On the App
  2. Via SMS
  3. Email
  4. Social Media

Now let me take you through the above steps of contacting Tala Loans provider

Using the mobile loan App

Tala has made the loan app in a way that it is easier to reach them. All you need to do is to log in to the App.

Once logged in, click on the “View FAQs or send us a message” link. Clicking on this link will take you to the FAQs page of the App.

At the bottom of this page, there is a line. Have a question about something? Click on it and a red button with MESSAGE US text written on it. Click on it.

Once clicked, it will open a new page with the title My Tickets Click on the + sign and enter a description (The issue you need to be sorted out).

The best thing is that you can attach screenshots to this section, and they will get back to you.

Contacting Tala through SMS

Tala has a number that they use to contact you. You can use the same phone number to reach them. Here is the text number they use: 21991


Use the following email address to contact Tala [email protected]

Social Media

Tala has an active social media presence, and you can contact them at any time, and you can get a quick response.

Their Facebook page is

and their Twitter account is 

Well, now you have more than one way of contacting them. Please only post on one platform at a time. Wait for a few hours before posting again on another platform. I recommend using the App first.

TALA frequently asked questions

I have checked the App and found some FAQs that might help someone who needs a loan but is stuck somewhere.

  1. How does Tala decide on whether to give you a loan or not?
    • Loan decisions are based on many things, which include your income, how you use M-Pesa, and how you have been repaying other loans.
    • All this information you provide before being approved for a loan. Tala App also scans your phone for this information as well as check you on CRB.
    • One thing to note is that if you have been rejected for a loan, don’t uninstall it but keep it installed and they will contact you.
  2. What are the fees and schedules for payments?
    • There are two options for repayment schedule: 1st option is a 30-day loan that has a 15% service fee, and interest rates can go as low as 7% for some customers.
    • The 2nd option is a 21-day loan that has a service fee from 11% but can go down to as low as 5%.
    • If you want, you can repay the loan at once or submit partial payments at any time before the credit is due.
  3. What should you do if the App crashes? – If the App keeps crashing, you can Clear the App data. If this persists, then you can contact them.
  4. What do I do if I lose my phone? – If you lose your phone, you can contact them directly using the methods indicated above.
  5. What does Tala do with the answers provided during the loan application process? – They use this information to determine your creditworthiness and debt capacity.
  6. What happens if you pay early or late?
  7. How do I repay my loan?

Make sure to check other loan apps in Kenya that we recently updated.

James Mwangi
James is a Financial Trainer who offers Personal Finance Classes to Kenyans in Nairobi. He has been doing this for the last 5 years through his financial literacy page on social media.

Related Articles

List of Best Online Loans in Kenya

Today, we will look at places to Get Online Loans in...


  1. What if someone sells his or her phone and then the person bought it want to install the there any problem there because I have bought the phone to the other person but they don’t want me to sign up for tala

  2. kindly assisit me reapply for my loan my last loan was 7000 and i paid on time please assist me grow as we had early complied my number is 0723260685


Please enter your comment!
Please enter your name here

This site uses Akismet to reduce spam. Learn how your comment data is processed.


List of Best Online Loans in Kenya

Today, we will look at places to Get Online...

List of Quick Mobile Loans in Kenya

Where do I access quick mobile loans in Kenya...

Instant Safaricom M-Pesa Loans

In today's article, we will continue with our series...

Follow our Instagram