Tala: Fast Cash Peso Loan App

Tala Mobile

About this app

Get up to ₱25,000 cash instantly online. Low rates. Fast approvals. Apply in 5 minutes. No income proof needed. Download the app & get cash now!

👉 HOW IT WORKS
✔ Apply in 5 minutes
Download the app and answer a few questions so we can give you our best, customized offer. Only 1 valid ID is needed. No paperwork, collateral, or bank account needed.

✔ Choose your terms
Confirm your desired amount and select your target repayment date

✔ Get your cash
Send funds to your bank account, GCash, Coins.ph wallet, Tala wallet or your nearest padala center

✔ Repay easily
Pay via GCash, Coins.ph, ShopeePay, Lazada, 7-Eleven, Maya, ECPay, Cebuana Lhuillier, or M Lhuillier! Pay in full or make partial payments, anytime on or before your due date

✔ Borrow again
After repaying, answer a few short questions to receive your next round of funds

👉 WHO CAN APPLY?
✔ Any resident citizen of the Philippines and 18+ years old
✔ Has at least 1 valid ID and a mobile number

👉 KEY TALA FEATURES

✔ ULTIMATE CONTROL
• You choose your repayment date
• If your plans change, the cost of your line of credit will automatically adjust

✔ NO HIDDEN FEES
• Service fees as low as 0.43% per day
• Processing fee of 3.99% based on the borrowed amount
• All fees are collected on your chosen repayment 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 ₱25,000
• Most customers can double their limit in just months with on-time repayment

✔ SECURE
• Tala secures your personal information with SSL encryption
• We treat all customers with respect, even if you are late on repayment

✔ REWARDING
• Earn ₱200 off the next time you borrow when you refer friends to Tala!*

Unlike other traditional online loan or cash loan apps, Tala is not a loan app but an enhanced credit experience with continuous always-on credit available to users with a good payment history.

PERSONAL CREDIT LINE TERMS
• Credit limit amounts: ₱1,000 to ₱25,000
• Processing fee of 3.99% of borrowed amount
• Daily service fee is charged on the amount of credit you borrow from 0.43-0.5% per day
• Late fee is equal to 5% of outstanding credit balance
• Monthly EIR: 14.86-15.00%
• Maximum Annual Percentage Rate (APR): 182.5%
• Applicable Tax (DST & GRT): N/A

Always study the terms and conditions and the disclosure statements before proceeding with any transaction

PRODUCT ENHANCEMENTS
We always work towards making our products better for our users. If you see offerings that differ from what is described above please don’t hesitate to contact us

PRIVACY & PERMISSIONS
We will never disclose any personal information with anyone that is not you without your permission, or sell your data to third parties

CONTACT
Email: [e-mail]
Website: tala.ph

Tala is operated by Tala Financing Philippines Inc., a licensed financing company and a registered operator of payment system (SEC Registration No.: CS201710582; TIN: 009-614-758; Certificate of Authority No.: 1132; OPS Registration No.: OPSCOR-2023-10)

* Referral terms & conditions: tala.ph/referrals

DISCLAIMER
Tala is not a cash loan app, money lending app or an online loan app. We provide continuous cash access to consumers in the form of a personal credit line. Tala is not associated with loan apps in the Philippines such as Cashalo, OLP, Home credit, Juanhand, Robocash, Peso loan, Pautang cash loan, Moneycat, Pesoq, Moca Moca, Billease, Digido, Utang loans, gcash, cashme, peramoo, mabilis cash, quickla, palawanpay, pesoredee, madaloan or maypera.

Ratings and reviews

This loaning app is really legit. I borrowed for the first time and I received it immediately. Then, I paid it on scheduled date which the credit limit increased. Now, I want to borrow for the second time and I hope I still receive it as quick as before. Thanks for this. Edited: I am able to borrow for the second time and also able to paid it earlier. There are just some of the hidden charges like convinience fee and etc. So when paying make sure to have some extra money for additional charges.

Had a successful loan ONCE. I paid my balance a month ahead of the scheduled deadline. After that, I tried to reloan. It was submitted successfully. Suddenly after a few seconds, a message popped out in the app saying that "There is a problem sending your loan". It's been there for 3days now, and no one is answering my emails. Useless customer service, buggy app, totally not worth it.

My first ever Loan app. Out of curiosity last Oct. kasi been seeing ads of different apps like this, so I tried. So far BEST app for me. Got a limit of 4k. Not so much requirements and didn't receive any calls or messages that's annoying or bothersome for reminder. The app and a decent text reminder only which is cool. You also have an option when to pay though it's a one time payment. It has other features like education about finances. So it's not just about lending or getting interest.