How to install Tala Mobile Loan App

How to apply for a Tala Loan (updated for 2024)

Do you need to apply for an instant cash loan that will be sent directly to your mobile phone through mpesa? Then you need to apply for a tala loan. Tala has a simple registration process. Not only that, you can easily and quickly apply for a loan directly from your mobile phone. Just follow this guide on how to quickly apply and qualify for a loan in Kenya between 1,000 ksh and 30,000 ksh.

How to apply and install Tala Mobile Loan App
Tala Mobile App How to apply

We can agree, if you need an instant mobile loan, the best way is to apply for a tala loan in Kenya. But first things first, we need to get the app on our phone. Start by downloading tala on your phone and you can get the download here

Once you have downloaded the Tala App, open it on your Android Mobile phone and follow these steps. 

Below is a step-by-step guide on how to apply for a loan using the Tala loan app in 2023. Before you proceed, please make sure you have downloaded the app on your smartphone.

Steps on how to apply for a loan on Tala Mobile App

Step 1: Open the Tala App

tala loan apply for tala loan tala application form open tala

Step 2: Select ‘your language:’ either Swahili or English.

tala loan apply for tala loan tala application form select language english swahili

Step 3: Select either ‘I’M New’‘Create account’ or ‘Sign In’.

tala loan apply for tala loan tala application form select create account or sign in

Step 4: Enter your ‘M-Pesa number’.

tala loan apply for tala loan tala application form enter your mpesa number

Step 5: Enter ‘PIN’ for your number.

tala loan apply for tala loan tala application form enter pin number for your mpesa number when you open

Step 6: Wait for the main Tala Mobile App Page to load and then proceed with the below steps.

tala loan apply for tala loan tala application form select apply now or view status

Step 7: Select ‘Apply Now‘ and answer the questions that follow. 

Step 8: Finally, Select ‘SEND MY LOAN’, or if you want to cancel select ‘NO THANKS’.

tala loan apply for tala loan tala application form select send my loan

As a result, you’ll be prompted on the payment schedule you selected and how much money will be due. From here all you’ll need to do is agree to the terms and schedule and Press confirm.

By following these steps, you now know how to apply for a tala loan in Kenya. It is an easy process and that’s what makes tala one of the quick loans you can get in Kenya.

People ask how to apply tala loan via sms? However, currently, tala does not offer that option where you apply for a loan via SMS.  

Questions asked during the application process before applying for a tala loan

As you are applying for your loan, there is a digital Tala application form that you will need to fill. Don’t worry, this application form is in the form of a questionnaire that asks very specific questions. 

When going through the tala loan application, you will be asked a few questions. These questions are meant to see if you qualify for a loan.
Take note that you cannot access tala loans without a smartphone or through SMS. You can only get a tala loan by downloading the app from the google play store or installing an apk.

Take note, the answers you give will be used to determine whether tala will be lending you money or if you won’t qualify for the loan. 

Here is a sample of some of the questions asked during the tala loan application process.

Question 1: How did you use your last loan?


With this question, tala Kenya wants to find out how the previous loan was spent. If it is your first time applying for a loan, indicate that it is your first time.

Question 2: What would you like to use your loan for?

This part classifies the type of loan you want to apply for as a ‘business expense’ or a ‘personal expenses’. Do you need the loan to finance a business need? For example, re-stocking your shop.  Is it for a personal need? for example to pay for unforeseen medical expenses. Select the appropriate choice

Question 3: Do you have outstanding loans?

Here, tala app for android wants to find out if you have any loans that you have taken. Answer accordingly, ‘yes’ if you have a loan or ‘no’ if you don’t have a loan.

Question 4: What kind of Personal/business expense is this?

What you need to do here is choose one option from the options Tala app will give you on the drop-down list. Tala gives you the following options to pick from; Emergency, medical expenses, education expenses, travel, special occasion, or general expenses.

Question 5: Please describe how you will use this loan in more detail?

Let’s say you selected a ‘travel’, elaborate on how you are going to use the loan when it is granted to you to pay for travel expenses. This will apply to any other option you will select.

Question 6: Do you have any outstanding loans?

For this question, answer accordingly, ‘yes’ or ‘no’

Sample answers given to qualify for tala loan when applying.

You’ll be asked to review your answers. Make sure you go through them and make sure that you answered them as accurately as possible.

Do you need to fill in a tala loan application form online? No. You don’t need to fill in a tala loan application form online. The questions asked above act as your tala application form, so make sure you fill them out well. 

How much do you qualify for on the Tala app as you apply?

Once you have finished this step, the app will show you how much you qualify for. This amount depends on many factors that the app calculates. If you want to learn more about how Tala qualifies you for a loan, check out how tala app works.

How much do you qualify for?

Now you know how much you qualify for, and how much you stand to get sent to your mpesa account. 

So how much money can you borrow and qualify for as a loan on tala loan app? The minimum amount of money you can borrow from Tala loan app is 1,000 KES. The maximum amount you can borrow on tala now stands at 50,000 KES. This money will be sent directly to your mpesa wallet. 

You have reached this far, Good work! For this reason, all that is remaining now is for you to select the amount you want to apply for.

Don’t forget also to Choose Payment schedule.

To find out more details about the features and interest rates, check out the complete Tala Review.

Repaying your tala loan

Tala loan offers you a 21-day loan and a 30-day loan to choose how to repay.  You can select the 21-day repayment schedule which allows you to pay back in three installments. The other option is the 30-day repayment schedule whereby you make the payment in one installment.

Repayment options for Tala Kenya App 21 Day and 30 Day

As a result of following the step-by-step guide, you will receive your loan on MPESA from Tala Loan. This will be followed by an SMS from 21991 confirming that you’ve received the money and how much you will need to repay.

Tala loan interest rate

Tala loan has an interest rate that ranges from 7% to 19% on each loan you borrow. This fee charged is known as a flat service fee. Compared to other mpesa loan lending platforms, it is on the lower end. It should be noted that the interest rate depends on the amount of money you borrow.

How long do you have to repay your tala loan

Tala offers two types of repayment depending on the period you chose to repay. Hence, tala offers loans with a 21 day or 30 days repayment period. 

30-day mpesa loan attracts a service fee (interest rate) of between 7% and 19%. If you apply for the 21-day loan, the service fee (interest rate) will range between 5% and 14%. Borrowing an mpesa loan for a shorter period on Tala attracts a lower interest rate. 

How much can one qualify to borrow on Tala app?

Tala loan limits start from a minimum of Ksh 250 up to a maximum of Ksh 30,000. The loan repayment period is either 21 and 30 days from the time you receive your money on your mpesa account.

How do I apply for a tala loan?

Apart from downloading the app on your phone, is there another way to get a tala loan!

For example, can you apply for a tala loan without a smartphone? No, you can’t. For now, you can only apply for a loan by downloading the app on your smartphone, registering for an account, and then applying for the loan.

What about applying for tala loan using ussd? Also, this is not possible for mpesa loans offered by tala. There is no tala ussd loan application service.

To get the tala loan app download, you will need to access it from the google play store. However, the app is only available for android phones. There is no tala download for iphone users on ios from the apple app store.

Tala loan app download Kenya

To download the loan app on your phone, follow these steps:

  1. Make sure your phone is connected to the internet either via data or Wi-Fi.
  2. Go to the Google Play store on your smartphone and open it by clicking on it.
  3. Once the Google play store has opened, click on the search bar and type ‘tala app loan‘, and press enter.
  4. Select ‘tala Kenya’ from the results.
  5. Click on the install button and wait for the tala Kenya app to complete downloading and installing on your phone.
  6. Open the tala app by clicking ‘open’

If you are having a hard time installing the tala app from google playstore, then here is the solution. Get the tala loan app as an apk to download on your phone.
Apk stands for Android Package Kit and it’s an app created for Android, googles mobile operating system.

Are you looking for tala loan contacts? Then you can talk to tala through email address, chat in the app, SMS, Twitter or Facebook. Get all the tala contacts here.

Tala loan requirements

These are the requirements you need to meet so that you can apply for a loan on tala app.

  • A smartphone
  • Safaricom Line
  • ID and over 18
  • Accept tala loan app privacy permissions


When applying for a tala loan online, be sure to follow the above process. First, you will need to download and install the app onto your mobile phone. Once you have completed this, proceed to open the app and register for a tala account by filling the online loan application. Finally, you will answer a few questions to finish the loan application process.

Tala will then show you how much you qualify to apply for on the app. Once you apply for the loan, it is sent immediately to your mpesa account.

Also, remember to repay your tala loan on time to avoid being listed on the CRB as a defaulter. Tala has provided an mpesa paybill number to make this process easy, but you can also repay directly from within the app.

In addition to this, it is good to know the interest rate charged by tala so as to be able to budget accordingly when making your loan repayment. Speaking of loan repayment, we have highlighted the number of days tala gives you to repay a loan you have borrowed.   

Did you find this article helpful? Then don’t forget to leave a like on our Facebook page and without a doubt share with a friend you would like to Saidia. Also, feel free to leave a comment below.

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  1. Can I access the loan in Uganda now??? I need to boast my Agriculture business urgently

  2. I like Tala coz i applied for a loan adn started a business and now am doing it well.

  3. Your Message hi i have seen your help through my friend and am convince i need your help to adjust on my stock

  4. Am your trusted client I used to borrow loans and pay on time without delay when i was using android using iPhone now yet can’t assess your service kindly help 0714797129 cornelius

  5. I have finished paying my loan but unable to apply for another the is undownloadable ilost my phone and i have a new one

    1. Glad you were able to qualify, tala is a very helpful app for loans.

    1. Hi Rose, pole about that. Did you answer the questions accurately? To check out the Tala questions by asked during loan application click here.

    1. Habari Naomi. Getting a loan to restock your business can be quite a hustle. Hapo nakufeel. At saidia, we have put together a list of loan apps that can lend you money quickly and at a low interest directly to your mpesa. Check out this list of mobile lending apps in kenya 2020. Hoe it will saidia you. TK

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