Frequently Asked Questions

Borrow Your Way

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 credit empowers you to take control of your finances with flexible financial access and the opportunity for financial growth. 

We’re not a simple credit provider – we strive to be your financial partner and help guide you through the ups and downs of managing your finances. We are here to help you when you need short-term credit to supplement your income and we will also be here to help you handle financial emergencies.

You spoke, we listened. 

Our customers have told us that increased flexibility in choosing when to repay would help them align repayment with their income and financial obligations. They also told us that they would like the flexibility to repay sooner, but other times they just need a few more days.

Now, Tala gives you continuous, always-on access to money when you need it, flexible repayment scheduling, more control over the interest you pay, and the opportunity to pay less if you repay early. With Tala, you borrow when you need, repay when you can, and pay less interest when you repay early. It’s as simple as that!

Our upgraded Tala credit has the following features;

  • No minimum interest. 
  • The freedom to select when to repay between 1 and 61 days. The new structure will give you the choice to only pay for the days you are still using your credit.
  • Having continuous access to credit which means you can always apply to borrow again after repaying, even if you repay a little late.

Tala’s upgraded credit now gives you control over when to repay. We understand how important it is to align your repayment with your cash flow, so Tala now gives you the flexibility to repay any time between 1 and 61 days.

The day you pick to repay is known as the selected date and 61 days after you get your max due date.

Interest rates are as low as 0.3% per day and you decide how long you need the credit — the earlier you repay, the less interest you pay. 

Be sure to repay before the end of the 61-day period. After that, you will be charged a late payment interest of 8% on your remaining balance.

Continue to grow with Tala by paying back on time; when you do, your daily interest can decrease.

Tips for Success

Always ensure that you borrow only what you need and only what you will be able to pay back on your selected date of repayment. Even if you are approved for more money than you need to borrow, you do not have to borrow the full amount. 

For example; If you are approved for Ksh. 10,000 but only need Ksh.5,000, we recommend that you borrow only Ksh. 5,000.

You should always ensure that your selected date to repay Tala is setting you up for a stress-free repayment. You could, for example, align it with your income such as your salary, expected business income or allowance, etc. 

This will allow you to ensure that you will be able to repay on your selected date and to keep your interest to a minimum. 

For example, if you receive your salary on the 30th of each month, then you should target to repay on or immediately after the 30th.

Tala will send you helpful tips and reminders to ensure that you are aware of when you are expected to repay. Ensure that you read our SMS messages so that you do not miss any important updates. 

We also recommend that you keep reminders in your personal calendar to ensure that you stay on track. Remember, the earlier you repay, the less interest you pay.

Yes, updating your Tala app to the latest version will allow you to enjoy the benefits of Tala’s upgraded, most flexible product yet.

Withdrawal of Funds

Unfortunately, for each credit offer, you can only withdraw your credit once. Ensure that you have considered exactly how much you need before disbursing the funds. 

After you repay what you owe, you can access your credit immediately.

Your funds will be sent to your Mpesa account on the phone number that you used to register on the Tala App.

No, you will receive your total cash amount in full. Tala will not charge you any fees to transfer the money to your MPesa wallet.

Repay and Grow Your Limit with Tala

The best way to grow your Tala limit is to consistently repay on or before your selected date. Over time your limit will grow. Your first credit with Tala is only the initial stepping stone! 

Tala Tip: Most Tala customers double their limits in only 2 months. You can achieve that too!

Unfortunately, you will not be able to adjust your selected date on the app once you have disbursed your funds. However, you will be allowed to pay after the selected date. You will only be charged for the extra days that you need. Kindly remember to pay before the max due date which is 61 days after the date you borrowed.

Yes, you can make payments ahead of schedule! In fact, paying what you owe earlier means that you will pay less!

Remember, you only pay for the days you use — the earlier you repay, the less interest you pay!

Yes, you can pay in installments until you fully pay your credit. Many customers find it helpful to make small partial payments early to reduce their burden and make it easier to repay in full ahead of schedule.

Yes, you can pay in installments until you fully repay. Many customers find it helpful to make small partial payments early to reduce their balance and make it easier to repay in full ahead of schedule.

Tala charges a standard daily rate. You will only be charged for the days when you are using the credit. 

While the rate will not change if you repay early, the interest you pay will only be for the days that you use — the earlier you repay the less interest you will pay!

You can repay in three ways: 

  1. through the Tala App or 
  2. using PayBill number 851900 with your phone number as the account number. Kindly ensure that the phone number you use is the one that you used to register on the Tala App.
  3. Dial the USSD code *846#

Repayment Queries

The Selected Date is the date that you are targeting to repay. This can be any day between day 1 and day 61 from the day you disburse your funds. The date you select allows you to know the interest you will be charged. We encourage you to select a date to repay that aligns to your salary, business income or another form of income to make it easier for you to repay. 

The Max due date is the last day that you will be allowed to repay. This date is 61 days from the date that you took your funds. Kindly ensure that you repay on or before the max due date. Afterward, you will be charged a one-time late payment interest, which will be based on your balance. 

For example, if you borrow on April 1st, you can pick any day between April 1st and May 30th as your selected date. You could pick, for instance, April 30th as your selected date. If you pay before April 30th you will pay less interest. If you pay after April 30th, you’ll pay a little more depending on the number of days you are using your credit. 

Your max due date is May 30th, which is 61 days after the date you withdraw. Please pay before your max due date to avoid being charged a one-time late payment interest of 8%.

Tala knows that life can be unpredictable — that’s why we don’t lock you into your selected date. If you’re ready to repay early, you’ll pay less. If you need more time, no late payment interest before the 61th day (max due date); you’ll simply be charged the daily interest for the few extra days you need.

We understand that sometimes unpredictable circumstances can prevent you from paying on time. When you know that you may have trouble repaying, we would encourage you to pay down your balance as much as you can through partial payments and contact us as soon as possible via email at, on twitter (@talamobile) , on Facebook on Tala Fb page, Tala In-app Chat or by sending a text message to 21991. 

When the going gets tough, Tala is there for you. Our Customer Care Agents do their best to work with you to find a fair resolution. The most important thing is to reach out early if you have questions or concerns about repayment and to keep an open line of communication.

We strongly encourage you to select a date to repay Tala that aligns with your income and do your best to meet that date; if you miss it, still do your best to repay before your max due date – 61 days after you got your withdrawal. After 61 days, you will be charged a one-time 8% late payment interest on your outstanding balance.

While other lenders charge a late payment interest for every day that you are late, Tala only charges a one-time late payment interest, and you’ll be able to apply to borrow again as soon as you have repaid what you owe.

Tala will only charge you a one time late payment interest of 8% if you have not repaidin full by the max due date of 61 days. The late payment interest is based on your balance on the 61th day.

Following the enactment of the Finance Act 2022 by the Government of Kenya to introduce 20% excise duty on fees charged by digital lenders effective 1st July 2022, the pricing for Tala  credit  will be subject to excise tax as applicable and this shall be reflected in the summary of your credit pricing.  

We assure you that your information is confidential and secure. We respect your privacy and will never contact your friends and relatives. The email address, the primary phone number and the optional alternate phone number that you register with Tala are the only contact information that we will reach out to so kindly make sure that they are active and  updated.

Borrowing Again

Tala aspires to be your most reliable financial partner. With Tala, you now have continuous access — you’ll always have access to borrow again as soon as you have repaid what you owe.

You will only need to answer a few questions. It will take you less than a minute to get your new credit!

No, you cannot borrow again before you have repaid what you owe. However, you will be given immediate access to apply for more money as soon as you pay the full amount of your existing credit.

Customer Support

Tala is always available to help you. We are open to discussing how to best structure your repayments. Kindly call us on 0800720597 (free calls), email us at, Tweet us (@talamobile) , message on our Tala Facebook page, Message us on the Tala In-app Chat or by send us a text message to 21991. We can work it out!

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