Loan -Tala mobile loan became common just a few months after it was launched in the country in the year 2014.
Though it was first available even without the daunting task of downloading their App, today it is only available through the App.
Well even as Tala was selling fast, M-shwari was and still is available but has no App. M-Shawri clients only get loans through the M-Pesa menu in their mobile phones.
Basically, it is not possible to borrow any amount of money from Tala if you have not downloaded the App which is readily available in the Play Store.
To access the loan, one has to first have the App, create an account by filling the Tala loan online form which is part of the loan application process.
The App, through its own logarithms, collects enough credit information about its customers then makes a decision whether to extend the facility or not.
What this means is that the lending decision is arrived at then recommended exclusively online. You therefore cannot get loans by visiting their offices in person because that is not their mode operations.
