TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaKCB M-PESA vs Tala: which is right for you?
KCB M-PESA brings bank-style credit pricing to M-PESA. Tala brings a more flexible app-based experience with quicker top-ups for repeat borrowers. The two compete on roughly the same loan sizes (KES 100 to KES 1 million on KCB M-PESA, KES 500 to KES 30,000 on Tala) but at very different rate points.
KCB M-PESA
lending,*844#
KCB and Safaricom's in-app credit product, dialled from M-PESA, with bank-grade underwriting.
Detail pageWhich is better for what
Quick guide by use case. Pick the row that matches your situation.
For a borrower needing KES 50,000+
KCB M-PESA scales to KES 1 million for established users; Tala caps around KES 30,000.
KCB M-PESA
For a small KES 1,000-3,000 emergency loan
Tala's app flow is faster than KCB M-PESA's for small repeat amounts.
Tala
For the lowest interest rate
KCB M-PESA charges 2-4% per 30 days, well below Tala's 11-15%.
KCB M-PESA
For a borrower without an active KCB or M-Shwari history
Tala's underwriting is more inclusive of borrowers with thin banking history.
Tala
At a glance
| KCB M-PESA | Tala | |
|---|---|---|
| Sector | lending | lending |
| M-PESA paybill | *844# | 851900 |
| Detail page | View | View |
Compare lenders
Compare KCB M-PESA and Tala live
A small first transfer or loan application is the fastest way to see real all-in cost for your specific case.
BR
Branch
CBK-licensed
Mobile loans with credit-history building. CBK-licensed.
Visit BranchZN
Zenka Finance
CBK-licensed
First loan free, then competitive rates.
Visit Zenka FinanceCommon questions
How do I access KCB M-PESA?
Dial *844# from your Safaricom line and choose the KCB M-PESA Loan menu. The loan disburses to your M-PESA wallet within seconds.
Which is cheaper, KCB M-PESA or Tala?
KCB M-PESA is significantly cheaper at 2-4% per 30 days versus Tala's 11-15% on equivalent amounts.
Are both reported to credit bureaux?
Yes. Both KCB M-PESA and Tala report to all three Kenyan credit bureaux (CRBs).
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