How to Pay Tala Loan via Mpesa | A Step-by-Step Guide

If you are wondering how to pay Tala loan via Mpesa, this guide will provide you with step-by-step instructions and tips to make the process smooth and hassle-free. You will also learn the Tala interest rates, Tala Paybill Number, and how to contact Tala customer service if you’ve any issues.

What is Tala?

Tala is a financial technology company that aims to enable and accelerate financial health for all. The company’s first product is the Tala Mobile Android app, which offers instant mobile loans and personalized financial education in Kenya, the Philippines, and Mexico.

Tala disburses loans of up to Kshs.50,000 via MPesa with a daily interest rate ranging between 0.3% – 0.6%* plus 20% excise tax on your daily interest.

Since launching in 2014, Tala has disbursed over $3.4B in credit to nearly 8 million customers who use the Tala loan app to start and expand their small businesses, pay school fees and bills, and build more stable financial lives. Tala is registered and regulated by the Central Bank of Kenya (CBK)

How to Pay Tala Loan

There are two ways in which you can repay your Tala loan;

  1. Using MPesa paybill Number 851900
  2. Initiating the repayment using the Tala Loan app

How to Pay Tala Loan via MPesa Paybill

How to pay Tala loan via MPesa paybill number 851900:

  1. Open your M-Pesa menu on your phone
  2. Select “Lipa na M-Pesa
  3. Choose the “Paybill” option.
  4. Enter the Paybill number 851900.
  5. Enter the M-Pesa number on which you received your Tala loan as the account number.
  6. Enter the amount you would like to pay.
  7. Enter your M-Pesa pin.
  8. Confirm all the details are correct, and press “OK.”

Your Tala loan repayment will be processed, and you will receive a confirmation message from Mpesa and Tala that you have sent the payment to Tala Mobile.

Related: How to Apply for a Tala Loan in Kenya

How to Pay Tala Loan via the App

An alternative way to pay Tala loan is by using M-Pesa Xpress. This is where you initiate the loan repayment via the Tala mobile app. You will get a push notification to your phone requesting input of the M-PESA PIN to complete the transaction.

Follow these steps to repay your loan via the Tala loan app;

  1. Download the Tala Loan app from the Google Play if you haven’t already.
  2. Launch the app and log in to your Tala account
  3. Select My Loan and Tap on Pay
  4. Select the amount or enter the amount you want to pay, then tap Pay
  5. You will receive an STK pop-up notification on your phone asking you to input your M-Pesa PIN.
  6. Enter your M-Pesa PIN and send

Tala Loan Interest Rates

The loan interest rates for most Tala customers start at 15%, and they are eligible for fees as low as 5% as they build their credit history with Tala.

How to Check Tala Loan Balance

First, log in to your Tala account, then tap the “View details” on the Home Screen button to check your loan balance.

What is the Tala Paybill Number?

Tala’s Paybill Number for repayment of your loan is 851900. Use your phone number registered with Tala as the account number.

What Happens if You Don’t Pay Tala Loan?

Late Payments

If you fail to pay your Tala loan by midnight on your due date, you will be charged a one-time 8% late interest on your outstanding balance.


If you do not repay your loan on time, you may be contacted by the collections agents. In case of long periods of non-payment, You will be reported to the relevant Credit Reference Bureau (CRB) for blacklisting, which may affect your ability to borrow from Tala and other lenders such as Zenka, Branch, and Timiza.

Tala Customer Care Contacts

  1. Telephone Number: 0800 720 597
  2. Email:
  3. Facebook: Tala
  4. X: TalaKenya
  5. Instagram: TalaKenya

Also, read: How to Pay Branch Loan via MPesa

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