tala personal loan

TALA Personal Loan

Minimum loan amount

P 1,000

Minimum annual income

P 0

Add-on interest


Product Summary

tala personal loan

TALA Personal Loan

In need of quick cash? Grab your smartphone and apply for a Tala Cash Loan today! Borrow up to ₱15,000 with no collateral required. In just a few taps, get the money you need to fund emergencies, small-ticket purchases, and other short-term needs.

    • Fast approval time in as fast as 24 hours
    • Quick cash loan up to ₱15,000
    • 24/7 application using an Android phone
    • No collateral or guarantor needed
    • Ideal for: groceries, medical needs, quick cash needs
    Age18 to years old
    Minimum Annual IncomeP0
    Credit CardNot Required
    Landline NumberNot Required
    Approval timeP1
    Processing fee%
    Early payment fee Free
    Late payment Fee Free

    Is this the right product for you?

    Checkout the other personal loan listing.

    Tala Personal Loan Review

    High loan amounts are what usually entices customers to apply for a personal loan. But what if you prefer a lower amount to simply tide you over until the next paycheck? Find that option in Tala Cash Loan that has easy payment schemes with low loan amounts ranging from ₱1,000 to ₱15,000.

    Where Can I Use a Tala Personal Loan?

    Attend to your simple goals or immediate needs that won’t require a huge amount of money through Tala Cash Loan with loan amounts as low as ₱1,000 to ₱15,000. Compared to other personal loans, you have more freedom to choose how to go about your loan and repayment scheme as listed below:

    • Loan amount - you have the option to borrow a lower amount instead of loaning the approved amount in full
    • Loan terms - you get to pick your repayment date (1 to 60 days) and method (full payment of installment)

    As soon as you’re done with repayments, you can borrow again through the app without going through the entire application process. Pay on time or earlier to increase your chances of getting a higher loan amount.

    Here are some of the loan purposes commonly used to get a Tala Cash Loan:

    • Baby on the way - Pregnancy duration is predictable but everything else in between isn’t and these events might affect your goal of saving before your little one arrives. Get a Tala Cash Loan to address your baby’s needs.
    • Medical emergencies - Nothing spells immediate money as much as a medical emergency. With Tala Cash Loan, it’s easy to get fast cash with an application process that only takes minutes through the app, followed by an instant decision.
    • Additional income - There are months when payday seems light years away. But life goes on and you need to tend to your family’s basic needs. Get a Tala Cash Loan to help you until your next salary.

    Who Can Get a Tala Personal Loan?

    Before applying for a loan, you need to meet the following Tala Cash Loan eligibility criteria:

    • 18 years old and above
    • Filipino citizen

    Tala Personal Loan Requirements for Filipinos

    • Valid government-issued ID with your photo and signature
    • An Android phone
    • Tala Loan app

    Tala Personal Loan Rates

    Loan amount: ₱1,000 to ₱15,000

    Loan terms: 1 to 60 days

    Monthly effective interest rate: 14.74.% to 15%, depending on the loan term; a one-time charge

    Late payment penalty fee: 5% of the total outstanding balance and a one-time charge

    Minimal requirements: No collateral fee, pre-termination fee, and processing fees


    You can loan a minimum of ₱1,000 and a maximum of ₱15,000. This is dependent on how responsible you are as a borrower and how many times you have borrowed from Tala.

     Tala's flexible loan has a monthly effective interest rate ranging from 14.74-18.32%.

    Currently, the Tala Loan app only supports Android devices running on OS 4.0.3 and up.

    You can pay your Tala Loan at any 7-Eleven, Cebuana Lhuillier, or M Lhuillier branches, and via Coins.ph, GCash, or PayMaya.

    Once your Tala Loan is approved, you can withdraw your proceeds from any Cebuana Lhuillier, M Lhuillier, and LBC branches or straight to your Coins.ph account.

    Report anyone pretending to be Tala Philippines by using the in-app chat feature. You can also contact them via email at support@tala.ph and via SMS at 21585280.


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