Get fast online loans up to ₹10,000 sent directly to your bank. Trusted instant personal loan app with 12M+ customers worldwide. Get cash now!

👉 Why choose Tala?

✔ No salary slip, bank statement or credit score needed (100% paperless)
✔ Instant personal loans from ₹1000 to ₹10,000
✔ Pay over time - 91 days to repay
✔ 2X your loan limits as you repay on time
✔ Pay less when you pay early
✔ Just answer a few simple questions & submit your application online
✔ Loan amount sent directly to your bank account
✔ Only 2 ID verification documents needed (Aadhar Card & PAN Card)
✔ 20+ Million installs across the world in India, Mexico, Kenya & the Philippines

👉 Easy Repayment Options:

• Pay directly from within the app
• Pay with debit card, UPI (Phone Pe, Google Pay, etc.), netbanking, or wallets

👉 Loan App Key Highlights:

✔ Instant personal loan app that offers loans up to ₹10,000
✔ Instant loan app with fast approvals (takes seconds after application submission)
✔ NBFC loan app regulated by RBI
✔ Cash loan app with loans disbursed 100% online direct to your bank account
✔ Loans without salary slip or bank statements
✔ Hassle-free online loan app - just answer a few questions and submit - that’s it!
✔ 500K+ installs among loan apps in India
✔ Compliant with RBI’s fair practices code

👉 Tala Instant Loan App Terms

• Personal Loan Amounts: ₹1,000 to ₹10,000
• One-time Processing Fee: 12.69% of the approved loan amount
• Maximum APR: 36% per annum
• Applicable Tax (GST): 18% of the processing fee
• Minimum repayment period offered = 91 days
• Maximum repayment period offered = 91 days
• Late payment interest: 8% of outstanding amount due
• No hidden costs

👉 Example Fees

For a borrower who takes a ₹1,000 personal loan on a 91-day term and pays on day 91, the following fees would apply:
• Processing Fee: ₹127
• GST on Processing Fee: ₹127 * 18% = ₹23
• Loan Disbursement Amount (after deducting processing fee and GST): ₹850
• Total interest payable: ₹1000 * 36% * 91/365 = ₹90
• Repayment Amount (Loan Amount + Interest): ₹1090

👉 Loan FAQs

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

How do I repay my loan?
• Make easy payments 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

RBI Registered NBFC

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 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/)

Terms and Conditions:
To qualify for Tala loans, borrowers must satisfy know-your-customer and underwriting requirements. Additional terms and conditions apply. To contact us please email us at [email protected].

Disclosures:
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.