Line of Credit

Get your own line of credit with Tally

Our mission is to make you less stressed and better off financially. We only make money if we can save you money. One of the ways we help you save is through a Tally line of credit.

What’s a Tally line of credit?

Your Tally line of credit is an important tool in paying off credit card debt. Once you download Tally and scan the credit cards you’d like us to manage, we analyze your credit profile to determine if Tally can offer you a line of credit with a lower APR than you’re currently paying — and that helps you save money.

How does Tally use my line of credit?

We use your new Tally line of credit to pay down your existing credit card balances. First, we transfer your higher APR balances to your Tally line of credit. Then, we actually make the payments on your existing balances for you! The lower APR on your Tally line of credit helps you save money right away, and you can put that savings toward your outstanding credit card balances to get out of debt faster.
requirements to qualify to a Tally line of credit

How do I know if I qualify?

Download the free Tally app and answer a few questions to find out. To determine if we can offer you a Tally line of credit with a lower APR than you’re currently paying, we look at your credit card balances, interest rates, spending behavior and credit score. A FICO score of 660 is typically required.

Want else should I know?

Instant savings with a lower APR

Your Tally line of credit often has a lower APR than you’re currently paying, somewhere between 7.9% and 19.9% per year. If you have a credit card with a promotional rate or a lower APR than your Tally line of credit, we’ll only make the minimum payment toward that card’s balance until the rate expires.

How it's different from a personal loan

Unlike a personal loan, your Tally line of credit is open-ended (known as a revolving line of credit). A personal loan provides a set amount of money and a repayment schedule over a set amount of time, but your Tally line of credit gives you more flexibility. Best of all, you only pay interest on what you borrow.

If Tally can’t offer me a lower APR

We won’t always be able to offer you a line of credit with a lower APR, but you can still add your cards into the Tally app and get the benefits of managing all of your credit card payments in a single app. Plus, Tally’s late fee protection ensures you’ll never miss a credit card payment again.

What users are saying about Tally

4.78/5 (9)
tally review in the app store
Xanderschauffele
★★★★★

Give it a shot!

My credit situation may be unique but I’m quite pleased as I got an APR that will be significantly lower than my card
A lot of the reviews here claim they are very selective but my story is different. After applying today I was approved for a $4000 line of credit, and my score was 662. My credit situation may be unique but I’m quite pleased as I got an APR that will be significantly lower than my card with a $3500 balance I am paying towards now. You have nothing to lose considering it is just a soft credit pull.
Tally reviews in the App Store
Sueann Moti
★★★★★

Awesome!

Love this app just wish there was a way to get a higher line of credit.
Love this app just wish there was a way to get a higher line of credit.
tally review in the app store
KIB2012
★★★★★

Very transparent. Does exactly what it says

This is a well-developed app! I love it. They are very transparent on their website about qualification for this app and the way it works.
This is a well-developed app! I love it. They are very transparent on their website about qualification for this app and the way it works. I was approved for a credit line with an APR that was around the mean average of APRs amongst my credit cards. I am able to manage which cards I want Tally to pay and which ones I will take care of. You’re also able to pay your credit cards from the tally app! They also give you friendly reminders about upcoming due dates.
tally review in the app store
T.Nemo
★★★★★

So far so good

I have 630+ credit score and got offered a credit line of $4,000 at 17.9%. The credit line only covers 2 of my major credit cards which have an apr rate of 19.25% and 25%.
I have 630+ credit score and got offered a credit line of $4,000 at 17.9%. The credit line only covers 2 of my major credit cards which have an apr rate of 19.25% and 25%. So I was pretty excited about the lower APR rate. I have way more debt but honestly, this is a good start for me!
Tally reviews in the App Store
VNV1731
★★★★★

I love tally. But...

I really love and enjoying tally. But I wish they can raise the credit line up.
I really love and enjoying tally. But I wish they can raise the credit line up.
tally review in the app store
JOSHB1997
★★★★

Great app, small limitation

Granted I do have good credit, I got a big $4,000 limit! I love how the app shows how much I have saved so far!
Granted I do have good credit, I got a big $4,000 limit! I love how the app shows how much I have saved so far! It has helped me and my credit score by 30 in the past 3 months! I wish that it was available on more than just iPhone because my android friends don’t have access to it! Creating an interface for a website as well as android would greatly increase your business Tally! But thank you for all the help you’ve given me so far!
tally review in the app store
Razgriz100000
★★★★

Works as advertised

I don't know why there are negative reviews from people being denied. The app tells you right from the start that if your credit is below the mid 600s that your odds are less to get approved.
I don't know why there are negative reviews from people being denied. The app tells you right from the start that if your credit is below the mid 600s that your odds are less to get approved. That being said, my score is a 608 and I just got approved $3,000 at a much lower interest rate than my cards so it's not a for sure that you'll be denied. If you're looking to consolidate credit card debt, give tally a shot. If you get denied, remember, it's not the apps fault, it tells you from the start that the lower scores will most likely be denied. So if we're rating the pure function of the app, it does everything it says. 👌🏼
tally review in the app store
S.B. Izerwallen
★★★★★

Very professional, transparent and discreet.

As advertised very professional, transparent and discreet. They’ve really made it easier for me to manage my credit cards. Not to forget how generous they were with my credit line.
As advertised very professional, transparent and discreet. They’ve really made it easier for me to manage my credit cards. Not to forget how generous they were with my credit line. My sincere thanks and best regards.
tally review in the app store
for_demacia
★★★★★

Credit card management made easy!

I've been a user since beta and the app has only been getting better and better. I use a variety of CCs to optimize my rewards and this made it so much easier to repay my cards on time without logging into each bank site.
I've been a user since beta and the app has only been getting better and better. I use a variety of CCs to optimize my rewards and this made it so much easier to repay my cards on time without logging into each bank site. I have even asked for a credit limit increased and they responded same day to increase it. There are some negative reviews about cards not being supported, I did have one card that was having difficulties but I notified Tally and they were all over it. If yours is not working, try to contact support and they're more than happy to help and troubleshoot with you. I promise in the end it's worth it. The interface is extremely nice too and the ability to pay is so easy with AppleID thumbprint. Any credit card geeks need to get this!

Tally, the fastest way to debt-free