How Tally+ Express works

If eligible, Tally can give you access to our lowest-interest credit line, helping you get
out of debt up to 2x faster1.

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How Tally works

1

Get started in minutes

Download the app, and securely add your credit cards. We’ll do a credit check, which won’t impact your score, to see if you’re eligible for our low-interest line of credit. Typically, a 580 FICO score is needed.

1.
Get started in minutes

Tally optimize your credit card debt payments
2

Access your low-interest line of credit

If eligible, we’ll offer you a low-interest line of credit — customized to save you as much money as possible. Just like wholesale retailers (think: Costco), we find the low rates and pass the savings to you.

Lightening strike

Nothing out-of-pocket

The $300 annual fee is paid directly from your credit line6 — nothing out of pocket!

2.
Access your low-interest line of credit

Improve your credit score with Tally
3

Tally pays off your cards, right away

Once you accept the offer, we’ll immediately pay off
all your cards with your Tally line of credit, saving you money right away.

3.
Tally pays off your cards, right away

knock credit card debt with Tally
4

Pay Tally back — in one, simple bill a month

We’ll use your credit line to consolidate all your card payments into one monthly bill. Say goodbye to different due dates, APRs, and balances.

Lightening strike

Unlimited refills

Use your credit line again and again. As you pay Tally back, you’ll free up space on your credit line to pay off even more of your expensive credit cards!

4.
Pay Tally back — in one, simple bill a month

cut credit card debt with Tally
5

Get rewarded for staying on track

If you pay your minimum payments to Tally on time, you’ll get access to our healthy member discount5.

5.
Get rewarded for staying on track

Tally was designed with your security in mind
6

Get out of debt up to
2x faster1

Save $4,1852 in interest in 5 years with Tally+ Express. Goodbye debt, goodbye stress.

6.
Get out of debt up to
2x faster1

Manage all your cards in one place with Tally

We believe everyone
deserves to be debt-free.

Even if you’re not eligible for Tally+ Express right now, we have a path for
everyone. Anyone can use Tally, regardless of credit score.

Manage all your cards in one place

Manage all your cards in one place

Get a personalized payoff strategy

Get a personalized payoff strategy

Set your payments on autopilot

Set your payments on autopilot

FAQs

How much does Tally+ Express cost?

There’s an annual fee of $300 or about $24.99/mo — but it’s not out-of-pocket. Your Tally+ Express annual fee is prepaid from your credit line, so there’s no upfront cost. You pay back part of the fee each month.

Does signing up for Tally impact my credit score?

The credit check we perform to determine your eligibility has no impact on your credit score. In fact, we’ve heard from many members with a credit line that using Tally actually helped them improve their credit score factors overall. If you choose to activate your line of credit, we may report it to the credit bureaus. Once reported, your Tally account will be classified as a line of credit and not as a highly utilized credit card. If your Tally account becomes delinquent, our team is required to report the past due amount and its severity to the credit bureaus.

What’s included with a Tally+ Express membership?

For steeper discounts and access to a larger credit line, you can choose Tally+ Express membership. With Express, you get discount credits applied to your Tally principal balance each month. After 12 months of consecutive credits, your effective APR gets lowered by an average of 4%. To maintain your Express discount, members need to pay at least the minimum on time.

What's my APR with the Tally+ Express membership?

We created Tally+ Express to help members get access to a larger credit line and a discount program that effectively lowers your APR. This maximizes your interest savings capacity. Once you’re a member, you’ll always be able to see your effective APR after our discounts, right on your ‘Accounts’ tab.
More FAQS here