Frequently Asked Questions

Starter Loan Program

It’s a program where you start with a smaller loan so that we can get to know you better. When you reach new levels, you’ll unlock bigger Tala loans that can grow up to ₱15,000. Through the starter loan program, you’ll be able to increase your loan limits and unlock more flexible terms as you grow with Tala.

For some Tala applicants, we need to get to know you a little more before we can offer you a higher loan limit. We want you to grow with us, so just repay on time to see your loan limits grow.

Starter loans have a maximum duration of 15 days, but you can repay earlier if you can.

For each day that you have an active loan, a daily fee of 0.5% will apply up until day 15. This means that the earlier you repay your loan in full, the less service fees you’ll pay!

With Tala loans, 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

Once you accept your starter loan, you’ll see a section on your Tala app home screen called “My Tala Journey.” Tap on this section to see how you can grow your loan limit. Once you complete your journey, you can grow your loan limits with Tala up to ₱15,000.

When you disburse your Tala loan to your Tala account, you don’t have to pay any transaction fees. Your Tala account is available to right after your Tala application is approved and you can use it to: 

We recommend that you keep a personal calendar to remind you of when your due date is, and when you expect to receive the funds that you will use to repay. This will help you plan properly.

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

Withdrawal of Loan Funds

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

  • Your Tala account (FREE!)
  • Digital 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 disbursement channel. There are no deductions if you disburse your loan to your Tala account. Some other options like are free to use while 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 the maximum duration date of 15 days. Your first loan with Tala is just the initial stepping stone. Make it a habit to always pay early or on schedule to build good credit standing and to help increase your loan limits over time.

Yes, you can always pay for your loan ahead of the 15-day repayment due date. In fact, repaying your loan earlier means that you will pay less for service fees. Remember, you’ll only pay for the days that you have an active loan.

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

For example: Your loan amount is ₱400, your daily fee starting day 1 until day 15 is 0.5% or ₱2: 

  • If you choose to repay on day 15, you’ll pay a total of ₱430 (Computation = (₱2 x 15 days) + ₱400)
  • If you choose to repay on day 7, you’ll pay a total of ₱414 (Computation = (₱2 x 7 days) + ₱400)

Yes, you may pay partially or in installments if it makes it easier for you to complete the full payment. Remember that you’ll need to repay the full amount on or before your due date to unlock and claim your next loan.

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

  • Pay safely through your phone via GCash,, or PayMaya
  • Or you can also visit authorized payment centers such as 7-Eleven, M Lhuillier, and Cebuana Lhuillier

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 have difficulty repaying your loan by your due date, we encourage you to contact us as soon as possible at

We understand that some situations may make it difficult for you to repay, and we want to assure you that Tala will be here for you. 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.

There is no late fee if you are unable to repay your starter loan on your due date. However, repaying late can affect your eligibility to access your next Tala loan and to continue growing your loan limits.  

We highly encourage you to plan early so that you can repay your loan on or before your due date.

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 the email address, the primary phone number, and the optional secondary phone number that you provided when you registered with Tala so kindly make sure that they are active or updated.

Access to Next Loan

Tala’s goal is to be your most reliable financial partner. You’ll always be able to borrow from us again if you repay your current loan on time. After repaying your most recent loan, view your Tala home screen to see when your next loan will be available.

No. For your starter loan program, 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 as soon as you repay any active loan that you have.

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:

  • Email:
  • 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.