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How to repay a Tala loan via M-PESA (paybill 851900), 2026

Tala's app has a repay button, but the M-PESA paybill 851900 works too, with your registered phone number as the account.

AO
by Reviewed by Josephine Njeri 5 min read Updated 15 September 2026Verified 15 Sept 2026

Tala is one of the most-used app lenders in Kenya, and it grows your limit as your repayment record improves. You can repay through the app, which pulls from M-PESA, or pay the paybill directly.

The verified paybill

Tala is paybill 851900. The account is your Tala-registered phone number.

Repay from M-PESA step by step

  1. Open the M-PESA app, or dial *334#.
  2. Select Lipa na M-PESA, then Pay Bill.
  3. Business number: 851900.
  4. Account: your Tala-registered phone number.
  5. Enter the repayment amount.
  6. Enter your M-PESA PIN and confirm.

Keep the M-PESA SMS.

Repayment not reflecting

Repaying early lifts your limit

Tala rewards early and on-time repayment with higher limits and, over time, lower rates. Because the paybill route lets you pay the moment you have the money rather than waiting for the due date, it is worth using to build your record faster.

What it costs

Tala adds no fee on top of the M-PESA tariff.

If you repayM-PESA feeTotal off your wallet
KES 1,000KES 10KES 1,010
KES 3,000KES 20KES 3,020
KES 10,000KES 48KES 10,048

Frequently asked questions

What is the Tala loan paybill?

Tala is paybill 851900. The account is your Tala-registered phone number.

Can I repay Tala without the app?

Yes. Pay Bill 851900 with your registered phone number repays the loan directly from M-PESA.

Does repaying Tala early raise my limit?

Yes. Tala rewards early and on-time repayment with higher limits and, over time, better rates.

Resources

  • See the best loan apps in Kenya 2026 and loan apps that do not check CRB.

Related reading

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