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.

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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.

What users are saying about Tally

4.89/5 (9)
tally review in the app store
Edwin G.
★★★★
Pay off ur credit card debt faster
Save a lot and avoid high interest rates.
If you to avoid late fees and pay off ur credit card debt faster tally is the right app for coz u save a lot and avoid high interest rates
tally review in the app store
Will T.
★★★★★
Fantastic app.
Great customer service and easy to use.
Fantastic app. Great customer service and easy to use. Highly recommended.
tally review in the app store
Will R.
★★★★★
Very convenient one stop shop!
Just pay one and it pays multiple cards.
Very convenient one stop shop! Just pay one and it pays multiple cards.
Tally reviews in the App Store
Mariah P.
★★★★★
Great way to pay your bills.
APR and it helps to avoid any late fees.
Great way to pay your bills with one APR and it helps to avoid any late fees.
tally review in the app store
Karan K.
★★★★★
Just amazing
Awesome concept.
just amazing, had difficulty initially once you get used to it, you will have your answers. awesome concept
tally review in the app store
Lewis M.
★★★★★
Lower interest rates
It's working great.
Used it to reduce my interest rates and working great.
tally review in the app store
Aqeel A.
★★★★★
Just one monthly payment.
It's good to have one monthly payment.
It's good to have one monthly payment.
tally review in the app store
Yousef D.
★★★★★
This app is straight up clean.
Lowers your interest rates for credit cards of your choosing by paying those cards off.
This app is straight up clean. Lowers your interest rates for credit cards of your choosing by paying those cards off and loaning you the amount you owe at their own interest rates which are lower. Easy to use and pay off all cards under one payment and easy to use with like a 5 min sign up
tally review in the app store
Jen M.
★★★★★
I already feel better about my finances.
They paid off 3 of my cards in full and I already feel better about my finances.
Downloaded Tally a couple weeks ago, had a hiccup in my verification, but it was resolved quickly. They paid off 3 of my cards in full and I already feel better about my finances. I'm hoping they add accessibility to my other card issuers to continue helping me. Looking forward to paying off my balances at a lower interest rate.

Get Out of Credit Card Debt Faster With Tally

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.

Tally, the fastest way to debt-free