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How we calculate these estimates

We calculated the estimates by comparing your interest charges and payoff timing using a Tally line of credit versus the interest charges and payoff timing without using a Tally line of credit. The estimates rely on the data you entered and do not take into account any other credit card balances or future credit card purchases. To calculate this estimate we assumed the amount of the Tally line of credit is approximately equal to half of the total balance on the credit cards you entered with APRs higher than the estimated APR on the Tally line of credit. We estimated the APR on the Tally line of credit using the average APR Tally offered between June 1, 2019 and May 31, 2020, to users with a credit rating in the range you entered. Any savings and payoff timing will depend on the amount of the Tally line of credit and the Tally APR, if you apply, your actual credit card balances and APRs, your ongoing credit card usage, and the actual payments you make. To get the benefits of a Tally line of credit, you must qualify for and accept a Tally line of credit. Based on your credit history, if approved, the APR (which is the same as your interest rate) on the Tally line of credit will be between 7.9% - 25.9% per year. The APR will vary with the market based on the Prime Rate. This information is accurate as of July 2020.