Frequently Asked Questions

Tala's Updated Pricing

With Tala’s updated pricing, you will see two types of fees the next time you borrow:

  • A processing fee of 3.99%
    • Computed based on the amount you borrowed
    • Charged once, for each time that you borrow from Tala
  • A lower daily service fee of 0.43%
    • Computed based on the amount you borrowed
    • Charged daily until you have completed full repayment
    • Applied until a maximum of 61 days

You will still be able to cash out the full amount that you borrowed with no deductions since the processing fee and your daily service fees are collected on your repayment date. 

Tala’s new pricing takes effect starting October 6, 2023.

If you have an outstanding balance on this date, the total amount that you need to settle on your repayment date will not change. The new pricing will take effect the next time that you borrow.

If you don’t have an outstanding balance as of October 6, you will experience the new pricing when you borrow again from Tala. 

Borrow Your Way

If you need funds to supplement your income or to prepare for emergencies, you can rely on Tala to help you build financial security. Tala empowers you by providing access to credit with flexible options, several opportunities for growth, and convenient ways to use your money.

We’re not just another lender in the market. Besides credit, you can now also use Tala for more financial transactions such as bills payment, cash transfers, and more. As your trusted financial partner, our mission is to support and guide you in managing your finances.

Tala’s credit line allows you to have more control and peace of mind with the following features and benefits:

  • The freedom to choose a repayment date up to 61 days
  • The assurance of having continuous access to your Tala limit so that you can always borrow from Tala again after repaying your current balance. 

A friendly reminder: In some cases, repeat access to your Tala limit may be subject to further review or certain exclusions.

When you borrow from Tala, you can select a repayment date that works best for you. The minimum payment period is 15 days and the maximum is 61 days.

Each time that you borrow from Tala, the following fees are also applied:

  • One-Time Processing Fee which is 3.99 % of the amount you borrow
  • Daily Service Fees which is 0.43% of the amount you borrow. This is added daily until a maximum of 61 days or until you complete full repayment, whichever is earlier.

The total amount that you need to pay on your repayment date includes the following: 

  • Borrowed Amount: This is the principal amount which you borrowed
  • One-Time Processing Fee: This is computed as 3.99% x your Borrowed Amount
  • Daily Service Fee: This computed as 0.43% x Borrowed Amount x Payment Period (from 15 to 61 days)

For example: If you borrowed 2,000 and repaid it in full after 30 days:




Borrowed Amount

As is


One-Time Processing Fee

3.99% x ₱2,000


Daily Service Fee

0.43% x ₱2,000 x 30 days


Total Payment

₱79.8 + ₱258.0 + ₱2,000


Tips For Success

Always borrow an amount that you know you can repay on time. 

Even if you are approved for a bigger 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 an 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 salary, business income, allowance, etc.

This allows you to be confident that you can repay on time, keep service fees within budget, avoid a late fee, and be able to borrow from Tala again.

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 for your repayment date.

To guide you, we’ll send tips and reminders through push notifications, emails, and texas, so please keep your communications lines open and turn on your Tala app notifications.

If it helps, we also recommend that you keep a personal calendar or set an alarm to remind you when your repayment date is approaching. This way, you can plan early, worry less, and avoid stressful situations.

Remember, the repayment date you chose is a commitment to yourself and to Tala. Sticking to your plan and repaying on time helps you practice good financial habits and allows you to maintain a good record.

Yes, regularly updating your app to the latest version will allow you to enjoy the latest products, features, and benefits of Tala.

Cashing Out from Tala

Your Tala Limit is the maximum amount that you can cash out. When you regularly repay on time, you get the potential to grow your limit up to ₱25,000.

Your Tala Limit is the maximum amount that you can cash out. 

For example: If you have been approved for P2,000 on your first Tala application, your Tala limit is P2,000. You can choose to withdraw a partial amount or the full amount depending on your needs.

Access to a credit line simply means that you have repeat access to cash from Tala. This allows you to continuously borrow from Tala for a 2nd time, 3rd time, and so on, as long as you repay your outstanding balance regularly and on time. 

For example: It’s like having a telephone line, a water line, or an electricity line, where you are given continuous access to services as long as you are able to pay the amount needed on the payment date.

Currently, you can only withdraw once and the maximum amount you can borrow is based on your approved Tala Limit. This is why it is important to select the right amount that you need before cashing out. To borrow again and access more cash instantly, simply repay your current balance.

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

  • E-Wallets: Tala Wallet, GCash,, 
  • Padala Centers: Cebuana Lhuillier
  • Bank Transfer: BPI, BDO, UnionBank, EastWest Bank, PSBank, Security Bank, and more

Tala does not make any deductions to the amount that you cash out.

However, when cashing out through certain channels, please note that transaction fees may be charged by our partners:

  • FREE cash out options include your Tala Wallet and
  • Other banks and padala centers may charge a minimal transaction fee. 

Repayment and Limit Growth

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

  • E-Wallets: Tala Wallet, GCash,, Maya, ShopeePay, or Lazada
  • Authorized Payment Centers: 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. 

Yes, you can make partial payments until you complete the full amount. Many customers find it helpful to make small regular payments so that it’s easier and lighter on the pocket. 

No, your daily service fee is fixed and will not change. 

Please note that it will also continue to be charged daily until a maximum of 61 days or until you complete full repayment, whichever is earlier.

No. If you repay early, your daily fee will not change. However, you will pay a smaller total amount in fees because you are borrowing for a shorter period of time. 

The best way to grow your Tala Limit (this is the maximum amount you can cash out) is to consistently repay on or before your repayment date

Your initial Tala Limit is just a stepping stone. Make it a habit to pay on time to build good credit standing and to increase your potential to access a higher limit.

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

Repayment Concerns

If you miss your repayment date, your daily service fee will continue to be added to your outstanding balance. This will be applied until a maximum of 61 days or until you complete full repayment, whichever is earlier. This is why we encourage you to repay as soon as you can to keep your total fees down.

Tala understands that unexpected situations or emergencies may prevent you from paying on time. If you have difficulty repaying in full, you can make partial payments and contact us for help at

As your trusted partner, we 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.

A one-time late fee of 5% will be added to your total balance if you repay late.

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

After you repay your current balance, you’ll be able to borrow from Tala again instantly. Just a friendly reminder that certain exclusions apply and that your reapplication may be subject to further review.

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.

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 the late fee will be applied.

Borrowing Again

For most customers, you’ll be able to borrow again instantly after you repay your current balance. This is the benefit of having access to your Tala credit line. Our goal is to be your most reliable financial partner, and to be able to lend you money when you need it. 

As a friendly reminder, kindly note that in some cases, certain exclusions may apply and your request to borrow again may be subject to further review. For cases like these, reapproval may take more time. 

No, we have improved our process so that you only need to submit a full application once, which is on the first time that you borrow from Tala. After that, you can borrow again instantly after you repay any outstanding balance you have.

Note: The next time you borrow from Tala, 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 use this to assess if we can provide you a Tala Limit increase.

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

Yes, the processing fee is applied for each time that you borrow from Tala.

Currently, you can’t cash out from your approved Tala Limit more than once. 

The good news is that you can get instant access to more cash and borrow again after you repay the full amount of your existing balance. 

In most cases, if you consistently repay on time, you can borrow again instantly. However, certain exclusions apply, and there may be times when your application to borrow again 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. To contact us, please send the details of your concern or inquiry through this form

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.