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 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

4.3
117 Reviews
Chris Nolan
★★★★★
Great way to Pay down debt
Mrs Lyds
★★★★
As an idea Tally is great! If u have a good credit score,660+, u qualify. They did a soft check that doesn’t show up on my credit report and got approved for 3k 16% apr. love the idea that I can transfer the balance of my first ever credit card with apr 28% to tally. It helps me pay down my balance saving money. The big deal about this app though is that ur tally balance doesn’t show up on ur credit report so since I paid off my credit card my credit score improved! U just need to stay away from using ur card again because then u really didn’t help urself, u just dig a hole! Also, customer service is awesome. They get back to me super fast, always giving me answers. My only “problem” would be the app. They need to upgrade it and have more functionality! It’s very limited on the options u have, for example, to add a specific bank as ur checking account u need to call them. U can’t do it through the app. Or if u pay a card it takes about 1-2 days to update the balance. That’s something that they could work on. But as an idea, tally is awesome! I'm using Tally to tackle credit card debt. That’s my referral JCLFl6Hc14
lamin jabbi
★★★★
Good so far.
Nathan Bailey
★★★★
Useful! But would enjoy a reminder feature be added in the future!
Dash221b
★★★★★
Tally is such a simple and brilliant idea. Tally sit in the middle between you and your credit companies and take a portion of the the interest the you supposed to pay to the credit card companies. Okay this is how it works. At first Tally pays all your credit debt. To credit company you don’t have balance. so no interest is charge to you account by credit company. Now Tally steps in, instead of charging whole interest that was previously charged by your credit card company, they charge you a portion of interest that was previously charged by your credit card company. The amount you pay goes to Tally. This way tally can make a lot of money if everyone joins Tally. This, if done right, good for both Tally and customer
Victor Irizarry
★★★★★
Just started using this service and pretty happy with the results. Credit Card debt was consolidated lowering the monthly payment and decreasing the interests from the credit cards.
Carolyn Cummings
★★★★★
So, is Capital One doing business. Would like to add my card.
Jessica Charles
★★★★★
It seemed too good to be true, but it's real.
BBG RH500
★★★★
So far so good!!
Catherine Herrera
★★★★★
I love that I am able to do everything online and if I need it, help is just an email away!
Pierre Fitzenberger
★★★★★
Very helpful to get out of depths
Mea Arsenault
★★★★★
Recommending to everyone! You won't regret it!
Carleo Mohammed
★★★★★
I saw this app on a banner when searching for financial services info to get options for paying off this past Christmas holiday season of shopping and it is very helpful with great options to get out out of debt quickly and just right with very low APR for credit that is paid on the customer behalf and lowering your balances fast. Nice App
Anton Johnson
★★★★★
This app is awesome..only missing auto schedule payments
marx.toro
★★★★★
I found Taly on an Instagram ad, didn’t think much about it till I read some reviews. The idea sounds great: you get a credit line and they manage your CC payments, you then pay Tally. Great! In my case, Tally approved me 15k credit line at 15.9% APR and I have CC balance of 20k at 24.25%. Right away, Tally sent payments to my CC (full to the higher interest one and the rest to the other card). The payment took 1 day to send and 2 days to post (a day slower than me doing directly so not really an issue for me). What Tally did for me is not only save me $100 per month on interest while I am paying off my debt, but also pays my CC and I pay Tally what I owe them or what I can (Tally asks for a payment minimum of all minimum payments they pay for you plus 1% of what you owe them so you pay a little back to them) which to me is a great deal. If you have more than 1 cc guys, Tally is for you. It made my life easier and saved me money. And the app is so easy to easy and clean looking.
Joe Herndon
★★★★★
Simple to use, gives the user the ability to link multiple cards. Makes it less stressful to make payments as once you link your cards you can just make one payment.
Dan Mantilla
★★★★★
I was skeptical at first but I'm glad I installed the app, best decision! I could not have asked for a better outcome. I look forward to knocking out my debt.
Anna Purnell
★★★★★
Tally has been so helpful!!! I feel back in control of my financial life.
Jose Alejandro Villegas Pereira
★★★★★
Great
Amber Gonzalez
★★★★★
Received an invite in the mail for this app with a pre-approval code. Was not sure what it was but it offered a debt solution so why not. It paid off one of my higher interest cards and makes monthly payments on another. It doesn't affect your credit so that a +++ for me. Credit score went up 20 points in less than a month. & it sends you reminders....Would highly recommend!
Ramon AP
★★★★★
Making my life easier 😌
Destin Smith
★★★★★
Love the Reminders!!
M Cent
★★★★★
Exceptional experience!!!😉
Maikweyana Tapia
★★★★★
Easy to use. Easy to track. Great option to pay down debt.
Yvette Pennetta
★★★★★
Superb customer service, Trully there to help you anytime you need it. So glad I found them it was so easy and fast to setup my payment for my credit cards. I do wish though that they took care credit cards but that's okay we took care of my Chase and Capital One. Thank you tally
Tabaya Kelly
★★★★★
Its great
mjnoir1
★★★★★
It helps when ur balance is very high.
Jill Richards
★★★★★
So helpful
mike Junior my niece
★★★★★
Tally to the Rescue, thank you.
Brenda Leyva
★★★★★
Absolutely love Tally. It helps me pay off my credit cards. Makes it easy to do do and has provided me with a lower interest rate. It sucks having debt, but this app makes it so much more comfortable to pay it off. Thanks Tally.
alberto salinas
★★★★★
Hard to use and buggy but it is a smart idea
cham min
★★★★★
Really helpful
Sydney Ealy
★★★★★
I'm absolutely in love with this app. I was so apprehensive about it at first but I'm glad I decided to go for it :) My credit score has gone up dramatically. I couldn't be happier!!
Casey Palcic
★★★★★
I've only been using Tally a short time, but so far I really like it. It is saving me money and helping pay off debt faster!
Reynaldo Cardoza
★★★★★
I'm taking this moment to rate this tally app and so far it's working beautiful on my side saving me money and stress free from all the interest I was paying to my credit cards , looking at my years end interest payment on my cards I did pay $1,700.00 on interest alone Tally is great I got a $6,000.00 loan from Tally and now they're taking care of my payments that I still had I just pay tally and relax let tally work for me
Natan Grinfeld
★★★★★
Really great app and very nice support.
James Long-Jolley
★★★★★
Helping me recover from my credit challenges
dinnidoo
★★★★
Love the idea but I wish more local credit unions were offered (ex. Mountain America Credit Union). Also not sure if this is only on my end but half the time I can’t log into the app. The finger print doesn’t log me in and then I have to completely close the app to try to manually enter my passcode, which also doesn’t work half the time.
Patricio Manzur
★★★★★
You saved my life. I am so thankful about Tally. I have referred you to multiple people that are struggling right now. Thank you for being my financial guardian Angel. <3
Jasper Agood
★★★★★
Helped me with my debt!
Ner- timid
★★★★★
I only get paid 1 once Month
Duane Johnson
★★★★★
What a great App! I was a little wary at first but I am so happy I signed up for this AMAZING app!!
Patricia Bryant
★★★★★
Manages & secure's accounts, pay bills,payday loans and more Save money you will save time with Tally try it. it works
Gary Paredes
★★★★★
is it really free to get.
Mihail Stanciu
★★★★★
Very helpful...)
Nicholas Jones
★★★★★
It helped me lower my credit card payments.
Lynn Newman
★★★★★
It is a great tool and user friendly.
JW Brackett
★★★★★
So far so good. Easy to set up and make payments.
Tim Nocon
★★★★★
Easy to use if your credit up to par.
Kam Scott
★★★★★
Has been an excellent app so far . Tally has paid off a few of my higher interest rates card and I make one low monthly payment.
Lynn Eash
★★★★★
Love the fact that your interest rate is lower than the credit card rate. If your credit is decent, so is your payment!
Alia Chang
★★★★★
Tally gave me $10000+ line of credit given base on my credit score, helped paid off 3 of my credit cards instantly after 2-day processing which raised my credit score by 42 points! Tally's line of credit does not show up on credit report because of soft pull so even if you have a balance with Tally, it doesn't effect ur credit score. Instead, using Tally to pay off your credit balances will raise your score. CONS: Tally does not pay off store-offer credit cards.
Jay B.
★★★★★
Great app!
Leonardo Popoca-Marquina
★★★★★
At first they didn't accept me into the program and I do not know why. After another try a year later. They accepted me into the program. It was good to consolidate my debt with them. I am going to pay off my debt as soon as possible and use them as a way to have all my bills in one place which I think is the real golden feature of the app. The customer service was fast and friendly to respond. The only problem I have is that they paid an extra $27 to my best buy card and now I have -$27 balance on that card which I have to spend or contact them to reverse.
David Garcia
★★★★★
Love the app great service
Claudia Ruiz
★★★★★
Best app ever
Matthew Waters
★★★★★
Great app! It really does calculate the best plan for you. The interest rates were causing me to stay in the same spot every month and no matter how much I paid it didnt seem like my balance would go down. I was hesitant to try tally but I read the reviews and it is the best thing that could have happened to me! I am saving so much in the long run due to the lower interest rates!
Lance Rose
★★★★★
Good service for clearing up your debt and overall consolidation of your credit card accounts. Promotional cards aren't counted under Tally though.
Efrain Viera
★★★★★
Lowered interests on my payments which I feel is the most important thing when it comes to paying off debt quickly and efficiently. Worth a try
Devlin Powers
★★★★★
Very helpful when it comes to paying down my cards! And it helps keep track of all my balances. I love it
Josh Gamble
★★★★★
User friendly. Great people who are right by your side to help with any issues you encounter. I've loved to convenience of being able to see all my debt in one place!
Micah Villarreal
★★★★★
Tally gave exactly what they promised to give. An easy debt consolidation experience. Only thing I have to say could use some improvement is that the app is a bit confusing to navigate. I am not a technology expert so maybe I just need to learn to use it better. I have only used Tally for a month and I cannot figure out when my payment due date is. But I have it set to auto pay so I shouldn't be late.
Rodrigo Recabarren
★★★★★
Good experiences here.
Dave Douglas
★★★★★
They taken care of all my needs in a quick and timely fashion
Ellen Olson
★★★★★
My credit score shot up from good to excellent after tally paid off my debts. Great for saving tons on interest and getting credit back on track!
Jennifer Acevedo
★★★★
Easy to use. But having some issues adding another card.
Don O
★★★★★
So far it seems like a great deal. They pay your card down and then you pay them back at a lower interest rate..
Paddyboy82
★★★★★
It’s exactly what it says it is. Brilliant service!
Jaime Harman
★★★★★
I had my doubts and I wasnt very sure when I signed up but they have helped me gain control of my debt. I'm working towards paying down debt but Tally helps! There's not interest on their payments and I feel like I can breathe a bit again. I would recommend this app! The customer service is also really great!
Canou2665ufe0f
★★★★★
Perfect so far
Doris Morehead
★★★★★
Great credit booster!!
Ahmed El Ridi
★★★★
The experience was overall good but could be better to allow for better payment due date scheduling. Also to better give an option to set a date when you want to be dept free and calculating your monthly payment based on that
Mke K
★★★★★
Simple. Helpful.
Tyler Jackson
★★★★★
Extremely helpful and useful! Also works great with other planning apps that help use my new job to get after paying off my college credit cards I would take to the bars 👀😳
navyboy365
★★★★★
Let me start off by saying this Tally should only be used if you’ve racked up cards and carry a balance. I have been in credit card debt for awhile and even after doubling my income these cards have been a nightmare to pay down. My interest alone tops 1k every month. Tally has made paying the cards easier and is saving me tons just in interest. Not to mention once the credit line paid off a chunk it shot my credit score up so I can take advantage of better rates. It will be a long haul but after doing the math I’ll be debt free over 2 years sooner then what was going to be possible.
Cecilia Montoya
★★★★★
Terrific
Kristi Corcoran
★★★★★
Great so far!
Bobby Mathis
★★★★★
The app works great when you get familiar with it .
shmuel frydman
★★★★★
Cool
Alicia Collins
★★★★★
Easy to pay Tally!
Idcaboutthisgame
★★★★
After paying down my credit card, my score shot up!
Katherine Minaya
★★★★★
Credit score up since I've let Tally do the thinking
T&D Hewitt
★★★★
Doesn't cover all credit cards but just a few. Which is very disappointing however, this has made paying my cards off so much easier and simple for me.
Jennifer David
★★★★★
So far no issues
Thomas Adkins
★★★★★
Saved money and received lower APR % with Tally than my credit cards providers. Helped payoff my credit cards bills and my credit score went up.
Mary Adeyanju
★★★★★
Tally is a life saver
Louise Layton
★★★★★
Nice making all my payments in one. Lower interest is great too.
Manise Saint-louis
★★★★
The best
Nam Nguyen
★★★★★
I send my respect and thankful for this app service
Patricia Kuhns
★★★★★
Great app. Helping me cut debt!
Sdavis441
★★★★★
Can I use my credit card while paying tally.
Harry S, Sandwich, MA
★★★★★
Th
Dylan Torgerson
★★★★★
Just amazing! Have been using tally for 3 months and it has made my life soooo much easier. All my credit cards in one easy to view place and I'm making some serious progress in paying them off. 10/10 highly recommend!
benjamineeeee
★★★★★
Thanks for helping
ali javed
★★★★★
Helpful.
Stephanie P
★★★★★
Has helped bring my credit score up 72 points since I've started 5 months ago .... I love this app
James Garner
★★★★
Shitta
Vanessa McBryde
★★★★★
So far so good. Love the concept
John Salmeron
★★★★★
Two words, no ads. The app does exactly what it says it will do. They respond quickly to concerns via email. This is definitely a five-star app, not a 4.5.
Patrick Grace
★★★★★
Tally, an amazing concept within itself has assisted with my financial future. Not only has this app made managing the multiple credit cards more convenient and made my credit score increase, it has saved me a substantial amount of money. If you have debt it's definitely something to try out!
Devon Henry
★★★★★
I am loving this app and the company behind it. Managing my finances and keeping some cash in my packets instead of paying out additional interest has been a welcomed change.
Bald Eagle
★★★★★
Capital one is having problems but it's on capital ones end a lot of stuff is having problems. Saved me a couple hundred already
Tom P
★★★★★
Great overall experience
Michael Tsalwa
★★★★★
Awesome app 👍👍
Faith Barnett
★★★★★
Great experience, approve right away.
Gail Jakubczyk
★★★★★
Easy to use and navigate. Great to have all credit cards paid. Simplifies my month
Erick Sanchez Chombo
★★★★★
The only Creditscore to get accepted is above 600 for Tally. It very helpful. It had help me pay of debt fast and I get to set a payment plan by contacting support. I extremely recommend to use Tally.
Michelle Daws
★★★★★
Of all the budgeting/bill pay/financial management apps I've used, Tally is by far my number one favorite. Based on solid, smart strategy, Tally uses a revolving line of credit to pay down your credit card balances. FAST! And if you forget to make a payment, Tally covers that too. Finally, Tally features a very manageable, sensible monthly payment but encourages you to pay more, making recommendations on the monthly payment that would benefit you most. It's easy to use AND SMART!
giovanni salzano
★★★★★
Thank you so much. Ive saved a bunch using Tally.
Scott Betterley
★★★★
So far it's been exactly what they say. No surprises, no hidden fees or clauses. 4 stars because the app can be glitchy but it works.
Iris Scott-Duns
★★★★★
from 26k to 18 in 11 months great!!!!
Erickas.S
★★★★★
Thank you Tally for simplifying my credit cards life! Such an easy a smooth process to sign up and start saving money instantly! I’m am beyond thankful for the creators of this app! Finally, people who care about people! Kudos to you Tally and the creators!
CuzinCal
★★★★★
My own BANK wouldn’t even help with consolidating my debt (why would they reduce their profit margins by helping me) But tally took a quick look n I’m working my way back to the black. I’ll be able to save more and start working on my future It’s a double edged sword... but I’m gonna be honest I like that they do automations with your payments . I hate that they have RIDICULOUSLY HIGH minimum payments . SERIOUSLY if I could afford 700+ a month I wouldn’t use this . Second draw back: it’s ACTUALLY additional debt! Tally is an unusable credit card when you think about it conceptually. They’re eating ya debt to pay debt but being add debt. Because you owe them too now! But at least you’re making payments on time😬😅😬😅. Ultimately; give it some SERIOUS thought before opting in. You probably could simply be fiscally conservative and pay things off on your own with discipline. If you need a system of control it’s a start I guess 🤷‍♂️ better off getting married and giving ya credit cards to ya wife in my opinion... unless she’s a thot that shops a lot!again. Such a relief knowing that all my finances are in order!
ChrisBennettOfficial
★★★★★
Tally has been a great app so far - consolidating debt without the unnecessary stress that usually entails.
Ra Society
★★★★
Would be dope if it was too do students loans and other type of loans as well huh huh😀
Abram E.
★★★★★
Tally paid my high APR credit cards for a lower APR loan . They gave me a high credit line so I can transfer all my high interest balances to Tally! And they take care of the payments “withdraw directly from my checking account “ Plus they also a very professional customer service Very pleased with these people and this app

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

Save money, manage your cards and pay down balances faster

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