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 personal line of credit?

Your Tally personal 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 loan 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 for a line of credit with a lower APR?

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

4.83/5 (12)
tally review in the app store
Kris M.
★★★★★
Wonderful!
I'm so glad I started using this app to track my payments.
Wonderful! I'm so glad I started using this app to track my payments. I would stress out every day, multiple times a day, worrying about the interest rates on my cards. I would continually worry that I would miss a payment. I no longer have to stress about any of that. I receive email reminders right before each payment is due and I can then make that payment on time. I also love the fact that I'm saving a ton on my interest rates and I can see exactly how much I'm saving each month.
tally review in the app store
Ashmeet P.
★★★★★
Works wonder
Made all my payments and saved my credit score from going down.
works wonder.... did not affect my credit score. made all my payments and saved my credit score from going down. thanks Tally
Tally reviews in the App Store
Jessica G.
★★★★★
It's great to just pay your credit cards.
What a piece of mind knowing I never have to worry about being late
Would definitely recommend. It's great to just pay your credit cards. Once I am debt free I will keep tally for that reason. What a piece of mind knowing I never have to worry about being late on any of them because the payment slipped my mind!!
Tally reviews in the App Store
Kh88 L.
★★★★★
Save you thousands of dollars from credit cards interest
Great app
Great app and save you thousands of dollars from credit cards interest
tally review in the app store
Raudis L.
★★★★★
It really helped me saved money.
I was approved with a score of 670
It really helped me saved money, I was approved with a score of 670 and since then never missed a payment.
tally review in the app store
Eric O.
★★★★
The app is simple and fairly intuitive to setup. Overall, great app!
A credit card balance transfer app that promises to save you money by paying down highest APR first.
A credit card balance transfer app that promises to save you money by paying down highest APR first. It's not a new concept in smart finance principles, but it's adding convenience in analyzing the cards for you and automatically making your card payments based on a line of credit you receive from Tally. For debt consolidation, this may be a wise choice to consider as one aspect of your overall plan to become debt-free. The app is simple and fairly intuitive to setup. Overall, great app!
tally review in the app store
Matt H.
★★★★★
Pays your cards on time and saves money
Does what it claims.
Does what it claims. Pays your cards on time and saves money. why not use it?
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

Get Out of Credit Card Debt Faster With Tally

What 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 25.9% 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