Tala is a loan app run by Inventure Mobile Limited (Trading as Tala), a digital credit provider licensed by the Central Bank of Kenya (CBK). It appears in CBK’s September 2026 directory with a licence date of January 30, 2023.
At a glance
| Lender (licensed name) | Inventure Mobile Limited (Trading as Tala) |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed January 30, 2023 |
| Loan amounts (published) | KES 1,000 – 50,000 |
| Repayment term (published) | Up to 120 days |
| APR / cost (published) | 109.5% – 219% |
| Other fees and terms | Daily interest 0.3%–0.6%; one-time late fee 8% of the outstanding amount |
| Customer contact (per CBK) | 0800720597 (toll free) · hellokenya@talamobile.com |
| Office (per CBK) | The Oval, 6th Floor, Wing A, Ring Road, Westlands, Nairobi |
The terms are what the lender publishes on its Google Play listing; your actual limit, rate and fees are set by its credit scoring and shown in the app before you accept a loan. Terms not listed above are not published.
Repayment calculator
Prefilled with 219% a year for 120 days from the published terms. Change the amount, rate, term and any upfront fee to match the offer in the app.
App availability
- Tala: Fast & Safe Pesa Loan – Google Play, 10M+ downloads, updated Sep 17, 2026
We checked Google Play only. Download only the listing whose developer matches the lender, and check the lender is in CBK’s directory before borrowing.
Terms as published by the lender
- Terms of up to 120 days.
- Daily interest rate as low as 0.3% (that is only KSh 6 per day for borrowing Ksh 2,000)
- Credit limit amounts: KSh 1,000 to KSh 50,000
- Daily interest is charged on the amount of credit you borrow, ranging from 0.3% to 0.6%
- APR Rate Range: 109.5% – 219.0%
- Example: Suppose you borrow Ksh 10,000 at a daily interest of 0.3% and a repayment period of 120 days
- 🧾Interest calculation: KSh 10,000 * 0.3%* 120 = 3600
- 💰Total amount disbursed: KSh 10,000
- 💸Total amount to repay: KSh 13,600 (KSh 10,000 + KSh 3600)
- A one-time late fee of 8% of the outstanding amount is applied to credits with an overdue payment term.
How to apply
Install the app from the official listing above, register with your phone number and ID as the app asks, and review the loan offer: it must show the amount, the total cost and the due date before you accept. Loans are usually sent to M-Pesa. Repay through the app or the paybill shown in it. Late repayment can lead to penalties stated in your offer and to listing with a credit reference bureau.
Frequently asked questions
Is Tala licensed by CBK?
Yes. Inventure Mobile Limited (Trading as Tala) is in CBK’s Directory of Digital Credit Providers (September 2026), licensed January 30, 2023.
How much can I borrow on Tala?
The lender publishes: KES 1,000 – 50,000. Your limit depends on its assessment.
How much does Tala charge?
Published cost: 109.5% – 219%. Daily interest 0.3%–0.6%; one-time late fee 8% of the outstanding amount
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- Tala: Fast & Safe Pesa Loan – Google Play listing (checked 13 Oct 2026)
More: All CBK-licensed loan apps · Cheapest loan apps compared · All 281 CBK-licensed digital lenders · CRB guide
