Tala in the Philippines

The application for consumer lending. Anyone who has an Android smartphone on the market can apply for a loan and get an instant solution, regardless of their financial history. They provide fast, personalized loans to approved borrowers and help clients eventually create a digital credit history or financial identity.

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TALA FINANCING PHILIPPINES INC https://upfinance.com/app/uploads/2019/06/tala-loan-Application.png
only Internet
no phone,
Interest rate per day 0.5% - 0.5%
Loan tenure from 21 to 30 days
Approval duration Up to 24 hours

About company

Not everyone is able to take a loan from a bank. Tala offers its own system of obtaining a loan in the Philippines. Every citizen of a country who has an Android-based phone can download the company’s official application and apply for a loan. In the app, the user selects the amount of the loan, as well as the period of payment of money. The main difference of the service from competitors is a quick decision of the bank to issue a loan. 

Tala does not pay attention to its client’s previous credit history. However, when downloading the application, the user is asked for permission to control the geodata, as well as to exchange information. This process allows you to identify non-creditworthy citizens. Tala selects only those data that does not affect a person’s personal life. 

Online loan

Send an application

One-time service fee:
– 11.4% plus applicable taxes for loans with a term of 21 days
– 15.2% plus applicable taxes for loans with a term of 30 days
Minimum loan amount: 1 000 PHP
Maximum loan amount: 15 000 PHP
Payment terms: 21 – 30 days
Approval time: 1 hour

Calculate loan

Borrower requirements

– At least 18 years old at the time of application
– Must be a Filipino Citizen
– an Android phone
– 1 valid ID are needed to apply for a loan
No bank account required. Tala also does not require collateral.


Loan Calculator

Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
₱ 10661.85

How to get a loan in the company

To apply for a loan, you need to download the Tala app on your Android phone. You can find it on Google Play under the name “Note Philippines”. The company does not require the provision of a current account or collateral. You can get a loan at any convenient time of day, regardless of holidays and weekends.

Benefits of the service

Tala has advantages that differentiate a company from its competitors.

  1. Fast cash loans. After approval, the funds come to the card specified by the client. 
  2. After downloading the app, the user passes a small test and receives a response within 5 minutes.
  3. The service does not require the provision of information about the borrower. The decision to issue a loan is made on the basis of the data that the person specifies during the test.
  4. The company provides fast and personalized loans, which are subsequently approved by borrowers. A new digital credit history is created for the client.
  5. Tala supports aspiring businessmen by issuing loans at low interest rates and favorable credit terms.
  6. The company is actively expanding its staff. Anyone can apply and become a firm’s financial manager.

Why you should this company

When considering a loan application, Tala only looks at the information about the client’s solvency. In most banks, the gender of the borrower plays an important role. The Philippine company refused to divide bank customers into men and women.

The service tries to fairly assess the client’s capabilities and select the optimal conditions for the payment of funds. When evaluating a person, the company does not take into account the client’s personal life, his views, as well as his religious faith.

4 steps to get a loan

To receive money, it is enough to perform 4 steps.

  1. Download the company’s app. The service is used by about a million people. To join them, you need to download Note Philippines in Google Play.
  2. Apply for a loan. After registration, the service will offer to answer several questions aimed at obtaining information about solvency. Tala does not require documents or bank accounts.
  3. The client receives the decision immediately after passing the test. All entered information is protected and will not be transferred to third parties.
  4. If the response is positive, the system will congratulate the person with the approved loan. Then the user need to choose how he will receive money: in cash or to a bank card.

How to return a loan

Tala accepts loan repayments only using the following services:

  • 7-Eleven;
  • Cebuana;
  • M Lhuillier;
  • Coins.ph.

When the funds are returned, the client will be sent a payment link to the number specified during registration in the app. If the contact information has been changed or the link has been lost, then it’s necessary to contact the technical support service. After the appeal, the client will be given a new link to his current number. 

The borrower also has the right to pay the entire amount at once or in several installments. Early repayment improves the credit history and increases the likelihood of issuing a new loan with a larger amount. In case of missing a payment, a penalty of 8% of the total debt to the service is charged on the client’s debt. It will also affect the digital credit history, so the company will not be able to approve a new loan in the future.

Offline offices of the company

There are no offline branches of the company. The customer can contact customer support from Monday to Friday, from 8:00 to 18:00.

Product Features

Min. financing amount ₱1000
Max. financing amount Up to ₱15000
Min. loan tenure 21 days
Max. loan tenure 30 days
Interest rate per day 0.5% - 0.5%
Approval duration Up to 24 hours
Debt consolidation Yes

Example of calculating interest and loan payments

TERM 21 days 22 days 23 days 24 days 30 days
LOAN AMOUNT ₱7500 ₱7500 ₱7500 ₱7500 ₱7500
FEE PER DAY 0.5% 0.5% 0.5% 0.5% 0.5%
INTEREST AMOUNT ₱788 ₱825 ₱863 ₱900 ₱1125
TOTAL REPAYMENT ₱8288 ₱8325 ₱8363 ₱8400 ₱8625

Fees & Charges

One time setup
Processing fee PHP 750
Stamp duty N/A
Disbursement & misc. fee N/A
Annual fee N/A
Other fees 8% for overdue outstanding balance
Early settlement no information
Late payment charges PHP 400
Other penalties no information

Other Requirements

Need to open linked banked account? Yes
Other details -


Download Tala Philippines on Google Play. Register using your mobile number; fill in your profile with the necessary personal, work and bank details (for verification and payment); and click apply!

Send an application

If you are a new customer, you must receive a credit decision within one banking day after applying. For regular customers, you can make a loan decision faster, since most of your information has already been verified.

Send an application

You will receive a system generated SMS advice on the status of application

Send an application

You can choose to receive funds from Padala centers (Cebuana, Palawan, M Lhuillier & LBC), your own Bank account or app Coins.ph.

Send an application

Yes, you can repay the loan ahead of schedule. Although there will be no deductions from your current payment, there will be other benefits such as a good credit rating and discounts for future loans.

Send an application

You do not require any security or guarantor to apply for an Online loan.

Send an application

The longest loan period is 30 days.

Send an application


Address only Internet
Phone number no phone
Social networks

Editor, copywriter of the site.

User rating


2 years ago

Best Loan Render

I want to thank Tala for taking the time to approve me with out having a problem and they also refinanced my loan.

2 years ago

I wish I'd know about Tala sooner

TOTALLY AWESOME!!! Tala was a life saver with helping me catch up the rent. The monthly payment is less than half I wish I'd know about Tala sooner, I don't even want to think about how much money they could've saved me over the past year! The customer service reps were great and I love the fact that, after you make your menu selection, you get a real live person! Keep it up!!

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