What happens if I pay early or late?


There are no penalty fees for paying early. In fact, early and on time payments will help you qualify for larger loans in the future!


Late Payments

It is important to make your payments on time to be able to continue benefiting from Tala's fast, low interest loans. Missing loan payments may result in late payment interest, lower loan limits, or the inability to get a subsequent loan from us as well as other lenders.



You may be contacted by collections agents if you do not repay your loan on time. In the event of a long period of non-payment, you may be blacklisted from Tala and also reported to the relevant credit reference bureaus.

To apply for a Tala loan, you must first download the app and apply from within the app. To download the app, please visit your country's official site:

Tala Loan App Kenya

Tala Loan App Philippines

Tala Loan App Mexico

Tala Loan App India

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