Save Money on Interest

No more worrying about high APRs

Our mission is to make you less stressed and better off financially. We only make money if we can save you money, and one of the ways we help you save is through our low interest rates.

Tally helps you save money on interest

Save money with the Tally line of credit

Credit card APRs are often unnecessarily high, and many people are wasting their hard-earned money for no good reason. That’s why we use your Tally line of credit to pay down your credit cards and help you save money on interest.

How Tally helps you save money

If you qualify, we use your Tally line of credit to pay down your credit cards. First, we transfer your higher APR balances to your Tally line of credit. The lower APR on your Tally line of credit helps you save money on interest right away. After that, we pay your cards for you every month in a way that helps maximize your savings.

Tally knows which cards to pay

When you add a credit card to Tally, we monitor the card’s balance, APR and the due date for you. Then, we calculate the smartest way to help save you money on interest across all your cards. Plus, we make sure you never miss a payment.

What users are saying about Tally

5/5 (10)
Tally reviews in the App Store
Nica T.
★★★★★
I am Honestly in love with Tally app
I have been struggling with my credit cards debt and high interests, with tally it has gotten better.
I am Honestly in love with Tally app, having all my credit cards in one is great. Tally has been approving me for a higher Credit. I have been struggling with my credit cards debt and high interests, with tally it has gotten better. I recommend it.
tally review in the app store
Timothy P.
★★★★★
Only took 15 minutes to set up and I was approved.
Tally is already going to be saving me money.
Only took 15 minutes to set up and I was approved. No hard inquiry and Tally is already going to be saving me money.
tally review in the app store
GodKaiser
★★★★★
Would recommend 10/10
Had 2 cards with high interest. tally paid them off entirely.
Had 2 cards with high interest. tally paid them off entirely, and now I pay them less than my monthly for both cards, with a far lower interest rate, and 0 annual fees. would recommend 10/10
tally review in the app store
AP AP
★★★★★
Certainly will help me get out of debt
Thank you tally.
Dose what it say it does. They help you and you did you save. Certainly will help me get out of debt. they do their part you do yours. thank you tally.
tally review in the app store
Evan A.
★★★★★
Bingo credit score goes up.
As long as you pay of your Tally account in a timely manner you will be in good shape!
I like that this doesn't show up on your credit. Makes them think you've paid off your card. Bingo credit score goes up. As long as you pay of your Tally account in a timely manner you will be in good shape!
tally review in the app store
Jay C.
★★★★★
Excellent service
very transparent as I can perceive.
Excellent service, simple to use, easy language and layout to understand and very transparent as I can perceive.
Tally reviews in the App Store
Lisa M.
★★★★★
I'm cranking thru debt faster than I ever thought possible.
Thanks for the leg up, Tally!!
I'm cranking thru debt faster than I ever thought possible. Thanks for the leg up, Tally!!
tally review in the app store
Chance R.
★★★★★
This is an amazing service that can really help reduce debt faster and save money.
Only been on for a couple months and put a noticeable dent my debt. Thanks Tally!
This is an amazing service that can really help reduce debt faster and save money. I am glad there is finally an option out there for people who have debt and benefit by having good credit along with it. Only been on for a couple months and put a noticeable dent my debt. Thanks Tally!
tally review in the app store
Shiean Ma.
★★★★★
An amazing app to help you pay your debt off
It helps consolidate your payments to one location.
An amazing app to help you pay your debt off. It helps consolidate your payments to one location.
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

Want to learn more?

How does Tally pay my cards each month?

Tally monitors the balances, APRs, and due dates on each card you register. Tally’s smart technology will determine which cards to pay first, based on factors such as APRs and utilization. If you have cards with a lower APR than your Tally credit line, only minimum payments will be made to those cards to make sure you won’t be charged late fees.

How much does Tally cost?

Tally is free to download, and we don’t charge any fees to use the app. In order to get the benefits of Tally, you will need to qualify for and get a Tally credit line. Depending on your credit history, your APR (which is the same as your interest rate) will be between 7.9% – 25.9% per year. And similar to credit card APRs, it will vary with the market based on the Prime Rate. (Information accurate as of June 2018)  Click here to see what Tally charges

How is my minimum payment calculated?

We require you to pay a monthly amount based on how much you borrow from Tally. First, we ask you to repay the minimum payments we made to your credit cards that month. Then, we ask you to pay interest based on your APR. Finally, we ask you to repay 1 percent of the total amount you borrowed from us to ensure you’re making progress toward paying down your Tally balance.

Save More Money With Tally

Get Tally, the fastest way to debt-free.