How to Apply for a Tala Loan via SMS
Tala is one of Kenya’s leading mobile lending apps, providing quick and accessible loans to individuals. While most people apply through the Tala app, the SMS option makes borrowing even more convenient for those with basic phones or limited internet access. The process is fast, and approved funds are deposited directly into your M-PESA account.
Requirements Before Applying
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A registered Safaricom line with M-PESA active
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An active Tala account (download the app and register at least once)
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A good repayment history for higher loan limits
Steps to Apply for Tala Loan via SMS
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Go to your phone’s SMS menu.
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Create a new message with the word LOAN.
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Send the message to 21991 (Tala’s official SMS number).
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You’ll receive a reply with available loan offers.
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Reply with your chosen loan amount.
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Wait for confirmation of approval.
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Funds will be sent directly to your M-PESA account.
Tips for Successful Loan Applications
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Always repay previous loans on time to increase your limit.
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Ensure your Safaricom line and M-PESA are active.
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Borrow only what you can comfortably repay.
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Keep SMS confirmations for your records.
FAQs
Q: Can I apply for a Tala loan without internet?
Yes, you can apply via SMS by sending “LOAN” to 21991.
Q: How much can I borrow with Tala SMS?
First-time borrowers may get between KSh 500 and KSh 2,000. Limits increase with timely repayments.
Q: How long does it take to receive the loan?
Funds are usually deposited instantly into your M-PESA account.
Q: Are there extra charges when borrowing via SMS?
No extra SMS charges beyond normal network rates, but loan fees and interest apply.
Q: What if I don’t get a response after applying?
Check your Safaricom network, ensure you used 21991, or contact Tala support.
Conclusion
Applying for a Tala loan via SMS is simple and efficient. By sending “LOAN” to 21991, you can receive funds instantly into M-PESA. Remember to repay on time to grow your borrowing limit and maintain good standing with Tala.
