How to apply for a Tala Loan (updated for 2020)

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 2020. Before you proceed, please make sure you have downloaded the app in 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. 

Questions asked during 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. This 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 through downloading the app from the google playstore 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 5: 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 6: 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 7: 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 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  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 day 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 branch attracts a lower interest rate. 

How much can on 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 playstore. 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.


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 have 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.


Post Author: Timothy

65 thoughts on “How to apply for a Tala Loan (updated for 2020)

    joseph m muturi

    (May 29, 2018 - 1:33 pm)

    Tala us good


      (June 6, 2018 - 3:01 am)

      to start a small business

      Tim Kamau

      (February 17, 2020 - 5:45 am)

      Karibu Joseph. We are glad it was of help. Kindly share to let other people know.

    nelly chepkosgei

    (May 30, 2018 - 12:35 pm)



    (May 30, 2018 - 5:48 pm)

    I need a loan urgently


      (June 9, 2018 - 3:18 am)

      naitaji loan ya 5000

        damaris mwelu joel

        (December 19, 2018 - 7:52 am)

        i need a loan for urgently

    gladys chebon

    (June 1, 2018 - 8:11 am)

    I have to apply bt it refuse please help

    Bonface Mbithi

    (June 3, 2018 - 6:49 pm)

    I will real thank your support please be kind to thank you.


    (June 4, 2018 - 11:04 am)

    Your Message.nataka mkopo rahisi


      (June 24, 2018 - 10:30 am)


    Agnes Anunda

    (June 5, 2018 - 9:34 am)

    pls i need a loan to boost a business pls help me

    Samwel Marungu

    (June 7, 2018 - 9:15 am)

    I Nee Loan Urgently

    Sylvia Atieno

    (June 8, 2018 - 8:51 am)

    I need aloan agently


    (June 8, 2018 - 7:03 pm)

    Am requesting for an urgent loan plz.

    Emma Akinyi

    (June 11, 2018 - 11:50 am)

    Urgently need a loan

    Margaret Mulwa

    (June 17, 2018 - 11:42 am)

    I request loan from you


    (June 22, 2018 - 6:26 am)

    l need emergency loan from you.

    Alex n. mwangi

    (June 30, 2018 - 3:08 pm)

    need loan


      (April 15, 2019 - 6:09 am)

      1000loan applying

        Tim Kamau

        (June 7, 2019 - 3:33 am)

        Yes, Haron. I hope you were successful.

    juliana mwende

    (June 30, 2018 - 5:48 pm)

    i request for a urgent loan

    eman wanjala

    (July 2, 2018 - 7:51 am)

    iam regesting urgent loan plz help me

    linet shabuya mukanzi

    (July 3, 2018 - 6:38 am)

    help loan for doing my business.


    (July 8, 2018 - 9:19 pm)

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

    Shadron Makotswe

    (July 25, 2018 - 7:21 am)

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

    Evans mutua

    (July 25, 2018 - 7:43 am)

    I applied for a loan got then paid fully, now its my second time am applying but it cant reflect.why please help kindly

    Erick ochieng omollo

    (July 27, 2018 - 6:08 pm)

    I want to start business please help with loan

    Mercyline Lusabe

    (July 30, 2018 - 10:27 am)

    I need aloan to boast my business,,please help

    Leornad kirinyet

    (August 3, 2018 - 6:58 pm)

    ill really appreciate your help

    Reuben Kiplagat kaptum

    (August 7, 2018 - 7:26 am)

    I had borrowed loan of 21000

    yvonne mutua

    (August 9, 2018 - 8:54 am)

    I need alaon agently

    sunday Chivatsi shehe

    (August 31, 2018 - 6:08 am)

    i need a loan of 5000 plz

    sarah anyango osodo

    (August 31, 2018 - 6:38 am)

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

    Isack Adan

    (September 13, 2018 - 7:00 pm)

    I need loan urgently


    (September 15, 2018 - 2:50 pm)

    i need a loan of 8000 urgently please


    (October 11, 2018 - 8:28 am)

    need a loan

      samuel Munyoki

      (March 11, 2019 - 6:29 am)

      I need loan of 5000


    (November 12, 2018 - 7:39 am)

    to grow bussiness

    morin Adhiambo

    (November 12, 2018 - 7:44 am)

    pls indeed Allan to boost abusinnes pls help me

    Johana Koech

    (November 14, 2018 - 8:59 am)

    Need loan for business

    Johana Koech

    (November 14, 2018 - 9:02 am)

    Need loan

    Michael Oduke

    (November 15, 2018 - 2:59 pm)

    I tried to register for TALA but it denied my Mpesa number please help


    (November 18, 2018 - 1:32 pm)

    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

    Ephraim murigo

    (November 20, 2018 - 5:47 pm)

    talk is our household. thanks

    Saida Abdullahi

    (November 22, 2018 - 5:48 am)

    Hi, i need a loan to boost my business plz

    Francisca syombua

    (December 2, 2018 - 3:20 am)

    My tala app haifunguki ina hang

    francis kamau

    (December 16, 2018 - 3:59 am)

    nataka mkopo rahisi


    (December 17, 2018 - 11:43 am)

    Please i need an emergency loan from you so may you help me.


    (December 18, 2018 - 7:18 am)

    Your Message request for loan

    Maureen mwabili

    (December 18, 2018 - 7:26 am)

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

    salome kiptum

    (December 29, 2018 - 11:04 am)

    Your Messageurgently in need of loan

    nicholas muriungi

    (January 13, 2019 - 2:23 pm)

    i need a loan of 5000

    brian atancha

    (February 7, 2019 - 9:28 am)


    caroline koki mutheu

    (March 16, 2019 - 3:37 pm)

    i need a loan of 10,000 and have registered with 500/=

    caroline jeptanui

    (March 29, 2019 - 8:14 pm)

    i want to borrow loan of 1000 for my personal use


    (April 14, 2019 - 1:29 pm)

    Good in your loan apply

      Tim Kamau

      (June 7, 2019 - 3:34 am)

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


    (January 4, 2020 - 2:26 pm)

    Its now 4months since u denied tala loan,is there possibilities of loaning again

      Tim Kamau

      (February 17, 2020 - 8:33 am)

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


    (January 6, 2020 - 9:01 pm)

    i would like to apply for a loan

      Tim Kamau

      (February 17, 2020 - 6:49 am)

      Hi Maximal, we would like you to be able to apply. Check out this guide on how to apply for a tala loan with pictures. Click here.


    (March 25, 2020 - 6:07 pm)

    Very greatly i need an urgent loan for restocking my business

      Tim Kamau

      (April 15, 2020 - 7:58 pm)

      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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