Tala M-Cash

Join millions of satisfied Tala M-Cash customers who have grown their businesses, paid for school fees, and managed expenses with peace of mind.

How simple is the process?
• Download the Tala M-Cash app
• Fill out our quick loan application in the Tala M-Cash mobile app
• Verify your identity through our secure system
• Get cash sent directly to your M-Pesa in an instant

Tala M-Cash offer:
1. Loan Amount: 500 Ksh ~ 70,000 Ksh

2. Loan Term: the shortest tenor is 91 days, the longest is 365 days

3. Interest rate: 16% APR

4. Service Fee: 0%

5. Loan request: Need to be at least 18 years old or above


For a representative example for Tala M-Cash of KSh 3,000 for 61 days APR equals 0% (calculated on 1.05.2019); total loan amount: KSh 3,000; annual interest rate 0%; total loan cost KSh 0, including: Commission KSh 0, Interest KSh 0; installment amount: 2 installments for KSh 1,500.
Minimum and maximum period for repayment: 61 days. Minimum Annual Percentage Rate (APR): 0%. Maximum APR: 35.28%

How do I repay my loan?
• Repay your loan with M-PESA Xpress the phone number you sign up with
• You can pay in full or make partial payments, anytime on or before your due date

The benefits of Tala M-Cash in-app features at your fingertips:
• Personal security PIN to ensure protection
• Track your credit with My Tala M-Cash Status
• Easy repayment schedule that keeps you on track with your payments
• Millions of Mkopo Hela customer success stories to inspire you on your journey

Have questions? check out our FAQs
Ready to get started? Download the Tala M-Cash app and apply for a loan today.

Privacy and permissions: When you download Tala M-Cash, 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.


Contact Us

For any queries, feel free to reach us via email at [email protected]