Tala - Instant Loans

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

How do I get a loan?
• Download the app and fill a quick form in the app
• Get your loan approval in seconds
• Verify your identity through our secure system
• Get your loan directly in your bank account
• No salary slip, bank statement or credit score needed.

What is the loan amount?
Your first loan amount starts from ₹500 - ₹1000. Grow with Tala and build your limit up to ₹10,000 with every on-time payment.

How do I repay my loan?
• Make easy payment in the app
• Choose to pay with debit card, UPI (Phone Pe, Google Pay, etc.), netbanking, or wallets.
• Easy payment schedule keeps you on track with your payments

What are my loan terms?
• Customers can express a preference for loan terms up to 90 days.
• Minimum period for repayment - Repayments are not required before 60 days.
• Maximum period for repayment - Repayments are required no later than 60 days for a 60 day loan and no later than 90 days for a 90 day loan.
• In the case of a 90-day loan, there a one-time processing fee of 15% deducted from the principal amount
• In addition, GST amounting to 18% of the processing fee is deducted from the principal
• A one time interest is assessed on principal at 36% APR (8.9% total for a 90 day loan)
• For example, for a 90-day loan with a principal amount of ₹1000: the processing fee would be ₹150 (deducted up front), GST would be ₹27 (deducted up front), and interest would be ₹89 (due on day 90). The amount disbursed would be ₹823 and the total amount due on day 90 would be ₹1089.

Get started. Download the Tala app now.

Tala accepts applications on behalf of its partners DMI Finance Private Limited and Apollo Finvest India Limited, licensed NBFCs regulated by RBI, to provide loans to its customers.

Privacy and Permissions: When you download Tala, we will ask to access and review certain information, such as your SMS history, in order to verify your identity and creditworthiness. We take privacy very seriously and your personal information will never be shared without your direct permission.

Terms and Conditions: To qualify for Tala loans, borrowers must satisfy know-your-customer and underwriting requirements. A one-time overdue interest charge of 8% of the outstanding balance may be applied to loans past due date. Additional terms and conditions apply.

Effective APR: 36% (plus fees). You will not be charged more than the amount of your interest (plus a one-time overdue interest charge if you do not pay on time).