Tala Haraka Loans

Tala Haraka is Kenya’s #1 finance app! We provide credit at your fingertips, whenever, wherever. All with low fees and an easy repayment schedule.


How does it work?
● Apply in 5 minutes
● Get approved in seconds
● Cash sent instantly to your M-Pesa
● Build your credit up to 30,000 KSh by making loan payments on time!


Privacy and permissions: When you download Tala, we will ask to scan your M-Pesa SMS and other information in order to verify your identity, creditworthiness, and provide you the fastest loan in Kenya. We take privacy very seriously and your personal information will never be shared without your direct permission.


Terms and Conditions: Tala charges a service fee of 11-15%* of principal. Repayment schedules may vary; however, the maximum repayment period for a Tala loan is 21 or 30 days from disbursement. Maximum late fee of 8% of principal. Additional terms and conditions apply.

Example: 30-day loan; 15% service fee (on-time repayment)

Amount of Principal: KSH 10,000
Amount of Service Fee: KSH 1,500
Total: KSH 11,500

*Effective APR: 183-191%. Tala Haraka will never charge you more than the amount of your service fee (plus, if you do not repay on time, a one-time default fee). Interest and fees do not compound or accrue.