Tala: Fast Cash Peso Loan App

Get up to P25,000 cash loans 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 for the best, customized offer. Only 1 valid ID is needed. No paperwork, collateral, or bank account needed.

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

✔ Get Your Cash
Send funds to Maya, BPI, GoTyme, GCash, Cebuana, and other e-wallets, banks, and payment centers.

✔ Repay easily
Payment Options: Maya, ShopeePay, GCash, BPI, BDO, Metrobank. Use QR code for the fastest, easiest, and cheapest option.
Pay in full or partially, 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
Choose your loan repayment date
If your plans change, the cost of your line of credit will automatically adjust

✔ NO HIDDEN FEES
Processing fee: 3.99% to 9.99%
Service fee: 0.23% to 0.43% per day
Percentages are 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 P25,000
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 P200 off the next time you borrow when you refer friends to Tala!*

Unlike other traditional online loans or cash loan apps in the Philippines, Tala has continuous, always-on credit available to users with a good payment history.

PERSONAL CREDIT LINE TERMS
Credit limit amounts: P1,000 to P25,000
Processing fee: 3.99% to 9.99%
Service fee: 0.23% to 0.43% per day
Percentages are based on the borrowed amount.
Up to 120 days (can be repaid at any time during the term)
Late Fee is equal to 5% of outstanding credit balance, imposed upon non-payment after the loan term.
Monthly EIR: 11.00-12.00%
Maximum Annual Percentage Rate (APR): 141.76%
Applicable Tax (DST & GRT): N/A


Sample computation for a loan with a 3.99% processing fee and 0.43% daily service fee:
Principal Amount: P1,000
Processing Fee: P99.90
Service Fees at 61 days: P140.30
Total amount to be paid: P1,240.20

You may receive different fees as Tala's loan offers are personalized per customer. Tala loans may also be funded by any of our licensed banking partners. Tala's fees follow SEC regulations.

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.

Our OTP account verification for financial transactions and fraud detection is a core part of providing you with the best service and safety.

CONTACT
Email: hello@ph-support.tala.co
Support: gotala.co/help
Website: tala.ph

Tala is operated by Tala Financing Philippines Inc. SEC#CS201710582/CA#1132/OPS#20230010. Always study the terms and conditions and the disclosure statement before proceeding with any transaction. Regulated by SEC (flcd_queries@sec.gov.ph) and BSP (consumeraffairs@bsp.gov.ph).

* Referral terms & conditions: tala.ph/referrals

DISCLAIMER
Tala provides continuous cash access to consumers in the form of a personal credit line. Tala is not associated with online Philippines loan apps such as Cashalo, OLP, Home Credit Online Loan App, JuanHand-online cash loan app, Load Cash, Peso loan, Pautang cash loan, Moneycat, Moca Moca, Billease, Digido, Utang loans, Gcash, Mabiliscash, Luckyloan money lending app, EasyPeso-Fast Secure Cash Loan, or Skyro.