Millions of happy customers worldwide have advanced their lives with Tala - your trusted financial
Take out loans on your own terms with affordable rates. Apply through our secure and easy-to-use app and get your loan decision in seconds. Choose your own due date and receive your loan within 24 hours via the method of your choice. Repay and grow your limits fast.
⭐ KEY TALA FEATURES ⭐
• Tala offers affordable, flat, & transparent pricing, with a low one-time fee as low as 9%.
• Align the due date of your loan with when you earn income to be set up for success from the get-go.
• Apply in minutes and get an instant decision.
• If approved, get your loan within 24 hours through Coins.ph, padala centers or your local bank.
• Apply 24/7 in our easy-to-navigate app
• No paperwork, collateral, or bank account needed.
• Only (1) valid ID required
• Send cash directly to your own bank account or the Coins.ph app, or pick up your loan in cash at thousands of padala center locations, including: Cebuana Lhuillier, Palawan Express, M Lhuillier, and LBC
🙌 FINANCIAL CONTROL
• Choose your own due date up to 61 days
• Friendly, understanding, empathetic customer experience
• Access robust libraries of tailored educational content and in-person and online communities to connect and learn from other users.
• Trusted by millions, Tala secures your personal information with SSL encryption.
📈 LONG-TERM GROWTH
• Limits up to ₱15,000.
• Most customers double or triple their loan limit in a matter of months.
• Earn ₱200 off your next loan when you refer friends to Tala!*
⭐HOW IT WORKS⭐
• Download the Tala app
• Apply in minutes. Fill out our short loan application and verify your identity using 1 ID and a selfie.
• Choose your terms. Confirm your desired loan amount, due date, and where you want to receive your money.
• Get your cash. Funds sent directly to your bank account, Coins.ph wallet, or nearest padala center.
• Repay easily via GCash, Coins.ph, 7-Eleven, Cebuana Lhuillier, or M Lhuillier! You can pay in full or make partial payments, anytime on or before your due date.
WHO CAN APPLY
✔️ Any resident citizen of the Philippines and 18+ years old.
✔️ Has at least 1 valid ID and a mobile number.
You can choose your own repayment terms. Every loan amount we offer is eligible for a 61 day repayment period.
Always study the terms and conditions and the disclosure statement before proceeding with any loan transaction.
LOAN RATES AND FEES
• Loan Amounts: ₱1,000 to ₱15,000
• One-time service fee: 8.5-27.4%
• Monthly EIR: 14.86-18.32%
• APR: 172.9% -228.3%
• Late fee: one-time fee of 8% of outstanding amount due
• Applicable Tax (DST & GRT): 0.46% - 1.5%
• Minimum repayment period offered = 61 days
• Maximum repayment period offered = 61 days
• Example Fees: For a borrower who takes a ₱4,000 loan for our 61-day term, they would owe a 27.4% service fee of ₱1,096 and ₱60 in required tax for a total payment of ₱5,155.
₱4,000 (principal) + ₱1,096 (service fee) + ₱60 (required Tax) = ₱5,155 (total payment)
PRIVACY & PERMISSIONS
Rest assured that your data is private and secure. We will never disclose any personal information or loan information with anyone that is not you. We will never sell your data to third parties. All data collected is to verify your identity and build your credit profile.
We're always here to help! Email us at email@example.com with any questions or feedback.
Tala is operated by Tala Financing Philippines Inc., a licensed financing company (SEC Registration No.: CS201710582; TIN: 009-614-758; Certificate of Authority No.: 1132).
* See referral terms and conditions at https://tala.ph/referrals/