Frequently Asked Questions

Loans Your Way

If you need loans to supplement your income or you simply want to prepare for emergencies, you can rely on Tala to help you build financial security. Tala empowers you with access to loans that are flexible with continuous opportunities for growth. 

We’re not just another loan provider in the market. As your trusted financial partner, it is our mission to support and guide you through the ups and downs of managing your finances.

We’re continuously improving Tala loans by listening to customer feedback – that includes you. 

Many customers have shared that having the flexibility to choose when to repay their loans can help them manage their cash flow and financial obligations better. 

So to give you more control, Tala now empowers you to choose your own repayment date. This allows you to be more confident that you can repay on time, and gives you the opportunity to pay less fees if you can pay earlier. 

The new Tala loans allow you to have more control and peace-of-mind with the following features and benefits:

  • The ability to choose a repayment date up to 61 days.
  • The security of having continuous access to loans which means that you can always borrow again after repaying your current balance.

Tala now gives you the flexibility to choose when to repay your loan. You can choose a repayment date up to 61 days from the day that you avail your loan.

Tala also makes sure that our fees are fair and transparent. There are no access fees, processing fees, or any other hidden fees, so you can be assured that you only pay for the service of using a loan.

Tips for Success

Always borrow an amount that you’re comfortable with and which you know you can repay on time. Even if you are approved for a bigger loan limit, you don’t have to borrow the full amount. We recommend that you start small and only borrow what you need. 

For example: If you receive a loan offer of P3,000, you can choose to borrow only P1,500 if that’s only what you need.

It is always best to choose a repayment date that is aligned with your regular cash flow – whether it’s your monthly salary, business income, allowance, etc. This allows you to be confident that you can repay your loan on time, keep your service fees within budget, avoid a late fee, and get access to your next loan right away.

For example: If you receive your salary on the 15th of each month, we recommend that you choose to repay on the 15th or 16th to ensure that you have enough funds to pay Tala.

We recommend that you keep a personal calendar or set an alarm to remind you of your repayment date.

It’s also good to note down when you expect to receive the funds that you will use to repay. This will allow you to plan ahead so that you can worry less and avoid stressful situations. 

Remember, the repayment date you chose is a commitment to yourself and to Tala – so do what’s right and do your best to repay on time. 

Tala will also send you helpful tips and reminders through texts, emails, and push notifications to keep you on track. So please keep your communications lines open and turn on notifications for your Tala app.

Yes, updating your Tala app to the latest version will allow you to enjoy the benefits and features of Tala’s newest, most flexible loans yet.

Cashing Out a Loan

For each loan offer, you can only withdraw once – this is why it is important that you select the right amount that you need upon disbursement. To access more money afterwards, simply repay your current balance and you’ll get instant access to your next loan.

You can claim your loan conveniently through the following channels which are available nationwide: 

  • Digital wallet: Tala Wallet,
  • Money Transfer Centers: Cebuana Lhuillier, Palawan Express, M Lhuiller
  • Bank Transfer: BPI, BDO, UnionBank, EastWest Bank, PSBank, Security Bank, and more

This will depend on your chosen cash out channel.

Some options like your Tala Wallet and are free to use. Other banks and padala centers may charge a minimal transfer fee. 

Early Repayment & Loan Limit Growth

The best way to grow your loan limit is to consistently repay your loans on or before your repayment date. Your first loan with Tala is just the initial stepping stone. Make it a habit to pay early or on time to build good credit standing and to increase your potential to access higher loan limits over time.

Tala Trivia: Many Tala customers double their loan limits in as fast as 4 months. Loyal Tala customers are also able to access a maximum loan limit of ₱25,000. You can grow like them too!

Yes! You can always pay for your loan earlier than your repayment date. Don’t worry, there is no early settlement fee. Plus, when you repay early, you save on daily service fees, you avoid a late fee, and you can immediately borrow again afterwards. 

No. If you repay early, your daily fee will not change, but you will pay a smaller total amount in fees because you’re using the loan for a shorter period of time. 

Yes, you can make partial payments until your loan has been fully paid. Many customers find it helpful to make small regular payments so that it’s easier on the pocket. 

No, your daily service fee is fixed and will not change. But please note that it will continue to be charged daily until your Tala loan is completely paid.

You can easily pay for your loan through Tala’s payment partners which are available nationwide:

  • Pay online via GCash,, Maya, ShopeePay, or Lazada
  • Or you can also visit authorized payment centers such as 7-Eleven, M Lhuillier, and Cebuana Lhuillier, and ECPay Partner Outlets

For your security, please make sure that you only pay using Tala’s authorized payment channels and that you retrieve your reference number from your Tala app.

Repayment Concerns

If you miss your repayment date, your fixed daily service fee will continue to be added to your balance until your loan is completely paid. That’s why we encourage you to repay as soon as you can to keep your fees down.

Tala understands that unexpected situations or emergencies may prevent you from paying on time. If you have difficulty repaying your loan in full, we encourage you to pay what you can as a partial payment and contact us as soon as possible at

We want to assure you that Tala will always be here to help. Our agents will do their best to listen to your concerns, and they will work with you to find a fair solution. The most important thing is that you reach out to us early if you have questions or concerns about repayment.

When you miss your repayment date, your balance will continue to increase because of the fixed daily service fee that is added. Once your daily service fee stops being charged, a one-time late fee of 5% will be added to your total balance if your loan still hasn’t been fully repaid.

Remember, you are in control. So choose a repayment date that’s aligned with your cash flow and repay on time or earlier so that you can stick to your budget and avoid getting a late fee.

After you repay your current balance, you’ll be able to borrow from Tala again. Please note that certain exclusions apply and your application for a new loan may be subject to further review.

The late fee is 5% of your total outstanding balance. Please check your Tala app regularly to monitor your balance and to get notifications on the date when a late fee will be applied.

No, we assure you that your information is confidential and secure. We respect your privacy and will never contact your friends and relatives. We will only contact your email address, primary phone number, and the optional secondary phone number that you provided when you registered, so kindly make sure that they are active or updated.

Access to Your Next Loan

Tala’s goal is to be your most reliable financial partner. You’ll always be able to borrow from us again as soon as you repay your current loan.

Note that certain exclusions may apply and that your reapplication may still be subject to further review.

No, we have improved our process so that you only need to submit an application once, which is on the first time that you borrow from Tala. After that, you’ll be able to borrow again after you repay any outstanding balance you have.

Note: The next time that you avail a loan, we may still ask you a few questions, but we promise we’ll keep it short! We just want to ensure that your information is up-to-date so that we can also use this to assess how much of an increase we can grant on your next loan offer.

To increase your potential of getting a higher limit on your next loan, make it a habit to repay on time. The loan limit that we can offer may also depend on the latest information that you provide through the quick questionnaire for existing Tala customers.

No, you can’t have two active loans at the same time.

The good news is that you can get instant access to another loan after you repay the full amount of your existing balance and meet the requirements for reapplication.

In most cases, if you consistently repay your loans on time, we will grant you access to another loan. However, certain exclusions apply, and there are times when your application for another loan may be rejected such as when there is potential fraud.

Customer Support

If you have further questions or concerns, we’re always here to help and guide you. You may reach us through the following channels:

  • Globe: 09778118252 / 09778508252 / 09778558252
  • Smart: 09190822695 / 09190742930

You can access the Tala App Privacy Policy at any time. It gives you information on your rights as a data subject, the kinds of personal data that we collect and process, the sources from which we may collect your personal data, the purposes for which your personal data is collected and processed, the third parties to whom your data may be disclosed, how long your personal data may be retained, and other helpful information related to the protection of your personal data.

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