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.
Get started in minutes
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.
The $300 annual fee is paid directly from your credit line6 — nothing out of pocket!
Access your low-interest line of credit
Once you accept the offer, we’ll immediately pay off
all your cards with your Tally line of credit, saving you money right away.
Tally pays off your cards, right away
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.
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!
Pay Tally back — in one, simple bill a month
If you pay your minimum payments to Tally on time, you’ll get access to our healthy member discount5.
Get rewarded for staying on track
Save $4,1852 in interest in 5 years with Tally+. Goodbye debt, goodbye stress.
Get out of debt up to
Even if you’re not eligible for Tally+ right now, we have a path for
everyone. Anyone can use Tally, regardless of credit score.
Manage all your cards in one place
Get a personalized payoff strategy
Set your payments on autopilot
There’s an annual fee of $300 or about $24.99/mo — but it’s not out-of-pocket. Your Tally+ annual fee is prepaid from your credit line, so there’s no upfront cost. You pay back part of the fee each month.
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.
For steeper discounts and access to a larger credit line, you can choose Tally+ 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.
We created Tally+ 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.