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The power of choice in your hands

Choose your due date

Enjoy the freedom to choose the due date that works best for your schedule.

Rates as low as 4%

Fair, transparent interest with every loan. Stick with Tala to see your rates go down.

Double your limit in two months

Repay on time to grow your limit. Most customers double their limit in only two months.
Take out loans that match your cash flow, repay with peace of mind, and grow with Tala.

Apply for
a loan

Download the Tala app and fill out a short application. It only takes minutes to apply.

Confirm your
loan amount

If approved, confirm your amount and get your loan directly sent to MPESA.

Choose your
due date

You’re in control with Tala. Select the due date that works best for you up to 61 days.

Grow with

Most customers double their limit in two months. Repay on time and grow your limit up to KSh 30,000.

How it works

What our customers say

Frequently Asked Questions

You can access the Tala App Privacy Policy at any time. It gives you information on your rights as a data subject, the kinds of personal data that we collect and process, the sources from which we may collect your personal data, the purposes for which your personal data is collected and processed, the third parties to whom your data may be disclosed, how long your personal data may be retained, and other helpful information related to the protection of your personal data.

Tala loans empower you with financial access, control and the opportunity for growth. Whether you rely on Tala on a regular basis to supplement your income or you simply want to increase your access to credit to prepare for a rainy day, you can count on Tala to help you build financial security and agency. 

We’re not a simple loan provider – we strive to be your financial partner and help guide you through the ups and downs of managing your finances.

Paying on time keeps you in good standing with Tala, which allows you to increase your loan limits over time. Your first loan with Tala is only the initial stepping stone!  When you consistently pay on time and remain in good standing, you see your loan limits climb higher and higher. Read this blog post on the many benefits of repaying on-time.

We understand how important it is to pick a due date that aligns well with your income cycle and foreseeable financial commitments, so Tala now gives you the flexibility to choose any repayment date between 15 and 61 days that aligns with your needs and ability to pay.

The interest rate for your loan will depend on the loan duration you choose. Take the time you need, but remember that longer loans have higher fees.

Many of our customers have told us that increased flexibility would help them align the repayment due date with their income cycles and other financial obligations, so we listened.

We know you know best when it comes to picking a due date that aligns well with your income and your ability to repay on time. With Jichagulie Due Date, you can enjoy increased choice and control with loans on your own terms. Choose wisely and keep growing with Tala: Jichagulie Due Date!

Yes, updating your Tala app to the latest version will allow you to enjoy the benefits of Tala’s new flexible loans.

You should always choose a loan amount and due date that you’re confident you’ll be able to repay on time. When selecting your repayment due date, we recommend that you carefully consider your income cycle and foreseeable financial commitments. You can read more tips about how to select the right due date here

Even if you are approved for more money than you need to borrow, there is no obligation to borrow the full amount. In fact, we recommend that you start small and only borrow what you need. Always borrow an amount that you’re comfortable with and confident that you will be able to pay back on time.

Tala has partnered with MPESA which allows you to easily and conveniently pay your loan. If you want to pay safely from your home, you can choose to pay via Paybill 851900 and write your Tala registered number as account number. You can also pay from the Tala app and you will get an MPESA prompt to input your PIN to authorize payment.

If you pay using a different line that is different from your Tala registered number, please indicate your Tala registered number as your account number when paying via MPESA paybill.

Yes, you can make loan payments before your due date!  In fact, paying your loan earlier can make you eligible for another loan or a higher loan amount.

Yes, you can pay in installments until you fully pay your loan, as long as all payments are made by your due date.

The interest rate that you select when you apply for the loan is a fixed rate, which does not change if you pay earlier than the due date.

You can apply for a new loan as soon as you pay the full amount of your existing loan. Make sure to fully pay for your Tala loan on your due date for more chances of getting a reloan.

5 tips to choose the right due date

Benefits of repaying your loan