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About lender

Tala is a trusted financial partner providing instant scoring and lending services, among other personalized financial services in the Philippines. The company offers a convenient mobile application for current devices that provides 24/7 financial assistance to its users.

The company offers quick loans through a smartphone app that manages the whole process, from loan application to cash release and status monitoring. It enables Filipinos with an Android phone to easily get a cash loan regardless of their credit background.

To get a loan from the online lending platform, download Tala Philippines app, go through the application process, wait for about five minutes, and use the urgent crediting services available 24 hours a day. After activation, online loans are available within a few minutes.

Pros and cons

Tala enables users to get secure, inexpensive, and timely peso loans. You may borrow money and apply for fast cash loans with the personal loan app to suit your financial lending demands. You may use Tala Philippines to borrow money at a low interest rate.


  • Easy to use

  • Fast loan processing

  • Flexible loan terms

  • Secure loan

  • Easy payment schedules

  • Responsive customer care

  • No collateral required

  • Low processing fee


  • High penalties for defaulting

  • Can encourage impulse buying

  • Late payment fees are high

Loan conditions

Conditions for the first loan

Tala can approve or reject loan applications within minutes. The good thing is that even individuals with poor credit history can apply for Tala loans and get money within a few minutes. The flexible qualification requirements make Tala loans suitable for millions of borrowers who cannot access loans from other lenders with stringent requirements. Tala loans start from ₱2,000 for qualified first-time borrowers.

Conditions for following loans

While the first loan amount you can borrow is small, making timely payment and applying for Tala loans frequently can enable you to get higher loan amount of up to ₱15,000 for your next loan.

According to Tala, the majority of borrowers may get twice or even three times their loan limit in a couple of months.

Methods of a loan funding

Once approved for a Tala loan, borrowers may request the funds to be placed into their bank account and transferred to their wallet or claimed at the local remittance center (Cebuana Lhuillier, M Lhuillier, or Palawan Express Pera Padala). Tala charges a flat service fee of 5-14% for 21-day loan and 7-19% for 30-day loans.

Borrowers in need of emergency cash can cash out using Cebuana because it is the quickest cash-out option. Cebuana releases Tala loan funds within an hour.



What is Tala?

Tala is a legitimate online lender registered with the Securities and Exchange Commission as Tala Financing Philippines Inc. The loan lending company offers quick cash loans to borrowers in Philippines.

Tala provides instant loans through the Tala loan app. Users can follow the easy process of loan application to get a loan. The company ensures that borrowers get a loan anytime and anywhere regardless of their credit history.

Who owns Tala?

Tala was founded in 2011 by Shivani Siroya, who is the owner and chief executive officer, to offer borrowers instant credit scores, especially in underdeveloped countries like Philippines, Kenya, and India.

How do you qualify for a Tala loan?

Anybody in Philippines can apply for Tala loans. To qualify for a loan, you must be at least 18 years old. Tala does not require a proof of income, bank account, credit card, or collateral to secure a loan. Only a valid ID is needed to qualify for a TALA loan.

 Tala accepts the following as valid IDs:

  • National ID

  • Driver’s license

  • Passport

  • Postal ID

  • PRC ID


  • Voter’s ID

How much can you borrow from Tala?

Tala loans start from ₱2,000 for qualified first-time borrowers.

Is Tala a legitimate company?

Tala is a genuine and trustworthy lender offering online shopping loans with flexible repayment plans. It is an SEC-registered company operating in the Philippines and other countries.

We're a global technology company building the world's most accessible financial services.

© Tala Financing Philippines Inc.

TALA loans calculator

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What to pay attention to when applying for a loan at TALA?

- The company shall be registered at Securities and Exchange Commission in the Republic of the Philippines;

- You can check the availability of the Certificate of Authority on the official SEC website;

- The rules for granting microloans should be available on the company's website;

- The procedure for applying for a microloan should be published on the site;

- The procedure for concluding an agreement and receiving a payment schedule should be available;

- Other terms and conditions for granting microloans should be available.


- Get acquainted with the interest rates on microloans;

- Check the availability of general terms and conditions of the consumer loan agreement;

- Check the availability of information on the total cost of the loan in the consumer loan agreement;

- Take time to think. After reviewing the individual terms of the agreement, take the allowed time to make the final decision.

What distinguishes TALA from a bank:

- Fast processing of loan applications;

- High interest on the loan for the borrower;

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All TALA’s reviews by May 2022