(4,3/5) 357 voice
Sa Tala, magaan ang hiraman

Is Tala Philippines legit?

Any financial company that wants to work in the Philippines is required by law to receive the appropriate permission. The SEC (Securities and Exchange Commission) is responsible for this. On the official website sec.gov.ph you can find lists of companies that have been tested and are trustworthy:

We checked the company Tala and found it in LIST OF FINANCING COMPANIES, here is its data:

Number 655
Registration No. CS201710582
Certificate of Authority 1132
Anniversary Date 27-Mar-2017

We found Tala Philippines registered on the SEC website in the “List of Financing Companies”. This means that she works in the Philippines by law, has passed all the necessary checks by a supervisor, and she can be trusted!

Loan parameters

Min amountMax amountMin termsMax terms Rate
1000 PHP25000 PHP21300,5% per day

1. Age

Age from 21 to 60 years old

2. Time to review

From application to receipt of money

3. Other conditions

Example of calculating interest and loan payments

TERM10 days20 days30 days
LOAN AMOUNT10000 PHP10000 PHP10000 PHP

About Tala

Tala is a new mobile application for modern gadgets that serves financial well-being around the clock. Online loan can be received within a few minutes after activation. Forgot money, not enough funds to buy something? The solution is near – download the online service Tala Philippines, wait five minutes and use the services of urgent crediting day and night.

Tala is a simple option to order and get a loan around the clock by simply tapping your finger on the smartphone screen anywhere in the world! Follow the steps below:

  • micro loan application;
  • instant loan offers;
  • immediate receipt of money directly on V-money.

How do I get a loan?

On the Tala loan Philippines site, you simply need to head over to Tala.ph, where you would be asked to sign up and create an account. Once you have created an account, you will be able to access a section online that enables you to upload a valid identification and a phone number where you can be reached. You are then able to simply choose the sum you intend to borrow.

You should head over to Play Store and search for Tala app. You simply download it and register using a phone number and a valid government id such as a driver’s license or a passport
A first Tala loan available to a new user typically ranges from Php 1000-2000.

How can I get another Tala online loan

It is possible to get another loan, however it depends on the payments on your previous loans on time.

What interest rate does Tala Philippines charge?

The rates gotten at Tala Philippines are below:

  • 11% for loans with a term of 21 days;
  • 15% for loans with a term of 30 days.

Advantages of the app

The simple and accessible form of Tala’s innovative Internet financier provides a number of advantages:

  • Free choice of partnership;
  • Creating a personal credit limit;
  • Guarantees a fair and fast loan;
  • Replaces personal consultant;
  • Allows you to fully service your own loan.

When does an approved loan show up in my Tala loan app balance?

Depending on the type of payment, you choose the day when you can receive your loan: it may be either a working day or the next day if you use a bank account. A Padala centre also works within one or two working days.

I haven’t received my SMS code, what should I do?

If the SMS code does not show up on your phone, you can resend the request for the SMS code to be sent to you once again.

I put the wrong bank details on my Tala application, what should I do?

If you happen to enter in the wrong bank details, you do not have to worry as Tala will verify if the bank account given matches your ID. Once it doesn’t the funds from the loan will be sent back to Tala without any interest attached to them.

Can I refuse a confirmed loan?

A confirmed loan cannot be refused once you have signed the agreement for the loan.

I have been refused a loan, is there anything I can do about it?

If you are legally able to ask for a loan and have not had any issues with late payments before, it could be that you were denied erroneously. If this is the case you should consider reapplying for the loan.

How do I extend my loan

The way to get a deadline extension is to pay off the interest of the remaining days of your loan, using your credit or debit card. It is also possible to use a bank transfer.

How can I pay the debt using bank card?

You simply go to Tala.ph and search for the payment section, select the bank card, enter in your details and the amount you are going to pay and you are done.

Cash Payment

Concerning this option, there is no opportunity to pay in cash to Tala lending.

Simple and convenient

The application does not require a long-term study of functions – Tala is easy to manage. Microloans online noticeably simplify the calculations in everyday life for small businesses and individuals. But a virtual consultant and financier are always with you to guarantee:

  • flexibility of credit history and monthly payments;
  • lack of collateral;
  • affordable financial conditions;
  • personal interests.


Confidentiality is a basic advantage of Tala loans. The scans of some documents that only prove the person are required for cooperation. The longer a client uses the service, the more profitable the loans become. A quick refund reduces interest rates. With an effective application you can choose a partnership and a loan amount – a virtual assistant provides a full range of micro-credit offers without personal benefit.

What identifiers accept

Valid government-issued identifiers that we accept only:

  • SSS ID;
  • UMID;
  • voter ID;
  • passport;
  • driver’s license;
  • PRC ID;
  • postal ID.

Help and Support in Tala Philippines

If you happen to have any issues, it is possible to reach out to Tala using its dedicated phone line and email address.

Tala reviews

3 Edna Malto
- reviewed Tala

I rated this app 5 stars before because it really provides fast transaction. I’m editing it now because for my 4th loan you’ve been ignoring my messages though I’m a good payer. I already e-mailed and message you on the app even on facebook.It says that the loan amount was approved but the claiming details is not still sent. There is no option how to cancel it either. Please help me here.


5 Zy Pan
- reviewed Tala

It’s been 48 hours since I last wrote you. Kindly help me regarding this matter. I need a quick cash for medical assistance. I’ve been writing your team–thru text, facebook messenger and even in Tala app but none of those has responded. I was approved for my 13th loan but claiming stat is still pending. Please help me with this. Thank you very much.


1 Jason Nerez
- reviewed Tala

I have been sending you messages here and there but you don’t respond to any of it. Why? I don’t understand. I have told you many times I don’t have access to my old mobile number so you have to send the claim details to my new one. Your app says I already owed you guys money but I don’t even have a way to claim it. This is starting to get really frustrating. Can someone please fix this for me?



1. Fill in the form

You fill out an online application and send it to us

2. Wait 20 minutes

We review your application and make a decision

3. Get money

You are guaranteed to receive money for a bank card


The citizens of Philippines aged 21 to 60 years old
Your data is used only for credit processing and transmitted through a secure channel. We guarantee the preservation of your personal data and non-disclosure to third parties (exception - cases provided by law).
Go to the website «Tala», select the amount and term of the loan and press the "Apply now" button. Fill out the form and accept the terms of the loan. Get the money to the specified bank account.


Written by | Modified date: January 22, 2021

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Уведомление о

any can help me here? Tala customer service is not responding. thanks

Carol hernandez
Carol hernandez

Any can help me here also…tala is not responding about my complaint..


I was applied for a loan again and I was approved for 7000 last friday,September 13,2019 and i chose to get my loan on my bank account and they said on the app that if u applied past 10:00am,your loan will takes one working day(for bank account disburse method),but until now when i checked my app,it is still saying “your loan is on the way”…


I want to reloan if u allow me today


Coins.ph send me 3times mode of payment and not same trucking # am confused which one I will use now ,pls reply

Julieta Saynes
Julieta Saynes

I want to apply loan online аre you sure give me the money?


Saan pong branch sa Manila meron kayo?

ralph roque
ralph roque

I’ve used it many times, and my needs are met. But the big problem is that you don’t know how to call them in a convenient way, but they want to call you in a lot of ways when you delay paying your bills. I can tell you that I’ve been using this for a long time. And I just got a full credit limit, but I can’t use it. I don’t know why.

SinDy T
SinDy T

Don’t get me wrong, it’s the best credit app there. The lowest interest to be paid within 21-30 days. It’s a very convenient application. Very fast payment, as if you can get a loan in 10 minutes. However, as with any other application, sometimes you face some problems. This is not perfect, and this is normal. What is not good is their customer service. Believe me, they are one of the worst customer service clients. It took a few days to answer an urgent question.


I just got problem in your system right now. I received a text message saying my loan has been approved but as the time that I will select how to get it, it just said that you cannot send me my loan. I message you already but there is no response. I love this app honestly. It solved my financial problem right away for several times.


I also can’t get an answer from them. Before, though, there was always a quick decision on the loan. Why the delay? I did everything as usual.