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.

To apply for a Tala credit , download the Tala app here Then sign up and fill out a short application on the Tala app. The application should only take a few minutes.

Tala 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, and 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. Therefore, to give you more control, Tala has given you the freedom to choose the date you’d like to repay. This will allow you to select a date that you feel most confident about repaying.

Our upgraded Tala credit has the following features;

  • The freedom to select when to repay your credit up to 61 days. 
  • The confidence of having continuous access to credit means you can always apply to borrow again after repaying your existing credit, 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 select a repayment date up to 61 days after the date you borrow.

Tala’s rates are fair and transparent. We do not have any hidden charges and the cost of your borrowing will always be clear to you from the beginning. Check the Tala App for more details on your rates.

Tips for Success

Always ensure that you borrow only what you need and only what you can pay back on time. 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 you select a date that will set you up for a stress-free repayment. We recommend aligning it with your income, such as your salary, expected business income or allowance, etc. This will allow you to ensure that you are able to repay on time. 

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 you know  when you are expected to repay. Ensure that you read our SMS messages to avoid missing any important updates. 

We also recommend that you keep reminders in your personal calendar to ensure that you stay on track.

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

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

Repay and grow your limit with Tala

The best way to grow your Tala credit limit is to consistently repay on time. 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!

Yes, you can make repayments ahead of schedule! Tala will not penalize you for repaying earlier. You will be allowed to borrow again immediately.

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.

You can repay in two 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 you used to register on the Tala App.
  3. Dial the USSD code *846#

Repayment Queries

Tala knows that life can be unpredictable. If you cannot pay back on time, we would encourage you to pay down 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.

We are happy to work with you to develop a payment plan.

Unfortunately, you will be charged a one-time 8% late payment charge on your outstanding balance if you repay late.

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

Tala will effect a one-time late payment charge of 8% if you have not repaid your total credit  on time. The late payment charge is based on your balance on your due date.

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.

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.

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

You can reset your PIN by opening the Tala APP,  selecting “Forgot Pin?” and entering your ID number to get a new temporary PIN. The new temporary PIN will be sent to you by SMS. You will use this to log in and immediately set a new PIN.

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

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