Philippines loan app review
Tala Loan App Review
Tala
· Fast Cash Peso Loan AppTala Mobile
What We Could Verify
- Credit limit: PHP 1,000 to PHP 25,000
- Regulatory status: SEC registration and Certificate of Authority records verified.
Borrower Attention
Repayment terms differ across official sources
Check your offer: Confirm the actual repayment term before accepting.
First-loan wording does not guarantee the maximum
Check your first-loan limit: Use the approved credit limit shown in your app; the published first-loan range does not guarantee the maximum.
Check Your Offer Cost
Review Insights from Google Play
Most Discussed
Access to Funds and Account
What reviewers discussedSeveral available reviews reported login, wallet transfer, or disbursement problems, including funds not reaching the expected account and delays while support investigated.
It'll be deducted from the wallet, but it won't reach its destination. Their fix takes 7 calendar days or more.
Google Play review | 2024-04-22
What this may meanA Tala transfer or login problem can make it difficult to confirm whether funds left the wallet or reached the destination. Keep the offer and transaction reference outside the app until the transfer is confirmed.
Support When Something Goes Wrong
What reviewers discussedSome reviews reported repeated waiting periods or difficulty getting a clear resolution from support after disbursement or transfer problems.
It's almost three weeks but they still not resolve it, they just keep on saying that I need to wait for another 7 working days to settle it.
Google Play review | 2023-12-08
What this may meanWhen a Tala transfer is missing or the account cannot be opened, a delayed support response can extend the period of uncertainty. Record Tala's support route before disbursement and include the transaction reference if you need help.
Recent Topics
Cost and Available Credit
What reviewers discussedReviewers mentioned interest or cost concerns alongside credit limits that were lower than they expected or did not increase after earlier use.
I've been a member since 2024, but until now, my credit limit is still stuck at 15k, even though I always pay on time.
Google Play review | 2026-05-27
What this may meanA Tala credit limit does not show the cost of using it. Compare the amount actually received with total repayment and the due date on the same offer before accepting it.
FAQ
May authority bang magpautang ang provider ng Tala sa Pilipinas?
May SEC Certificate of Authority No. 1132 ang disclosed provider ng Tala. Hindi ito garantiya ng approval o ng specific loan offer.
Magkano ang puwedeng maging credit limit sa Tala?
Ang current disclosed credit-limit range ng Tala ay PHP 1,000 hanggang PHP 25,000. I-check ang limit na ipinapakita sa app bago magdesisyon.
Is Tala authorized to offer loans in the Philippines?
Tala's official disclosure lists SEC Certificate of Authority No.
What interest or APR does Tala charge?
Tala's current Google Play listing shows a 3.99% to 9.99% processing fee, a 0.23% to 0.43% daily service fee, 11% to 12% monthly EIR, and a maximum APR of 141.76%. It says personalized offers may use different fees.