Question 1

Where can I repay my Tala loan?

Accepted Answer

Tala has partnered with several payment channels, which allows you to pick the repayment option that is easiest for you. If you want to pay safely from your home, you can choose to pay via GCash, Coins.ph, or PayMaya. If you don’t have these mobile payment apps on your smartphone, you can go to authorized payment locations such as 7-Eleven, M Lhuillier, and Cebuana Lhuillier.

Please make sure that you pay only using our authorized payment channels and retrieve your reference number from your Tala app.

Question 2

Can I make payments before my selected due date?

Accepted Answer

Yes, you can make loan payments before your due date!  In fact, paying your loan earlier can make you eligible for a reloan or a higher loan amount.

Question 3

If I know I cannot pay my loan on time, what should I do?

Accepted Answer

We understand that sometimes unpredictable circumstances can prevent you from paying on time. When you know that you may have trouble repaying on time, we would encourage you to pay down your loan as much as you can through partial payments and contact us as soon as possible at support@tala.ph.

When the going gets tough, Tala is there for you. Our Customer Advocates do their best to work with you to find a fair resolution. The most important thing is to reach out early if you have questions or concerns about repayment and to keep an open line of communication.

Question 4

What happens if I pay late? Is there a late fee?

Accepted Answer

We strongly encourage you to select a due date that aligns with your income cycle and to repay your loan on or before your selected due date. You can also make partial payments to reduce your balance. However,  if you aren’t able to pay by midnight on your due date, you will be charged a one-time 5% late fee on your outstanding balance. While other lenders charge a late fee for every day that you are late, Tala’s only charges a one-time late fee and the sooner you pay back, the better your chances of getting another loan with Tala.

Question 5

What kinds of fees and interest does Tala charge?

Accepted Answer

Depending on the term of the loan, Tala charges a one-time service fee of 9.48 – 27.03% of principal (EIR**: 14.54 – 15.00%).

For example, for a borrower who receives ₱4,000 from Tala for our 61-day term, they would owe a 27.02% service fee of ₱1,080.95 and ₱59.05 in required tax for a total payment of ₱5,140.

In short, ₱4,000 ( borrowed amount) + ₱1,080.95 (service fee) + ₱59.05 (required Tax) = ₱5,140 (total payment)

**Effective Interest Rate (EIR): expressed as interest rate per month inclusive of taxes.

Question 6

What do I need to apply for a Tala loan?

Accepted Answer

Only an Android phone and one valid ID are needed to apply for a loan. No bank account required. Tala also does not require collateral.

How can I contact customer support?

Search our entire Help Center database

Still need help?
Please send us your questions, comments, thoughts, or complaints through this form and our support team
will respond as soon as possible.

How can I contact customer support?

Search our entire Help Center database

Still need help? Please send us your questions, comments, thoughts, or complaints through this form and our support teamwill respond as soon as possible.

Still need help?
Please send us your questions, comments, thoughts, or complaints through this form and our support team
will respond as soon as possible.