Get up to INR 30,000 instant cash loans sent directly to your bank. Low rates. Fast approvals. Trusted instant personal loan app with 12M+ customers worldwide.

HOW IT WORKS
✔ Apply in 5 minutes
Download the app and answer a few questions for the best, customized offer. Only Aadhar and PAN cards are needed. No paperwork or collateral needed.

✔ Choose your terms
Confirm your desired loan amount and select your target payment date.

✔ Get your cash
Send funds to your bank account with your UPI ID.

✔ Pay easily
Hassle-free payment through bank transfers also using your UPI ID. Pay in full or partially, on or before your payment date.

✔ Borrow again
After paying, answer a few short questions to receive your next loan.

WHO CAN APPLY?
✔ Any citizen resident of India who is 18+ years old
✔ Has an Android phone, Aadhar and PAN card, and a valid mobile number

KEY TALA FEATURES

✔ FLEXIBLE LOAN TERMS
Choose your payment date
If your plans change, the cost of your loan will automatically adjust

✔ NO HIDDEN FEES
Processing fee: 10% to 12%
Daily interest rate: 0.12% per day
Percentages are based on the loan amount.
All fees are collected on your payment date.
Get the full amount; no surprises
Only pay for the days you need

✔ CONTINUOUS ACCESS TO FUNDS
Apply only once and get continuous access to borrow up to your approved credit limit (subject to terms and conditions)

✔ FAST LIMIT GROWTH
Get limits up to INR 30,000.
Most customers can double their limit in just months with on-time payment.

✔ SECURE
Tala secures your personal information with SSL encryption
We treat all customers with respectful collection processes, even if you are late with payment

PERSONAL CREDIT LINE TERMS
Credit limits: INR 500 to INR 30,000
Processing fee: 10% to 12%
Daily interest rate: 0.12% per day (Percentages based on the loan amount.)
Pay up to 120 days (subject to eligibility)
Penal charge of 10% imposed upon non-payment after the loan term.
Annual Percentage Rate (APR):
Applicable Tax (GST): 18% GST is charged on processing fee

Sample computation for a INR 3,000 loan for 61 days with a 10% processing fee:
Principal Amount: INR 3,000.00
Processing Fee: INR 300.00
Interest at 61 days: INR 219.60 (INR 3,000 * 0.12% * 61 days)
Total amount to be paid: INR 3,519.60

Please note that you may receive different fees as Tala's loan offers are personalized per customer.

PRIVACY & PERMISSIONS
When you download the Tala App, we will ask to access and review certain information, such as one-time access to your camera, microphone, and location for KYC, in order to verify your identity and creditworthiness.

Our OTP account verification for financial transactions and fraud detection is a core part of providing you with the best service and safety.

We take privacy seriously. Your personal information will never be shared without your direct permission. Learn more about your rights and options as a Tala user by reading our app privacy policy (https://tala.co.in/privacy-policy-in/)

CONTACT
Email: hello@in-support.tala.co
Support: gotala.co/in-help
Website: https://tala.co.in/

REGISTRATIONS & LICENSES
Tala is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI)
NBFC Name: Talazen Finance India Private Limited
License Name: Certificate of Registration - NBFC

TERMS & CONDITIONS
To qualify for Tala loans, borrowers must satisfy identity verification and underwriting requirements. Additional terms and conditions apply. To contact us please email us at hello@in-support.tala.co

DISCLAIMER
The Tala loan app is not associated with CASHe, KreditBee, RupeeRedee, Kissht, Dhani, Money View, Buddy Loan, MobiKwik, Swift Rupee, Navi, mPokket, Ring, PhonePe, Money Tap or PaySense.