Tala – Loan details
Tala micro-loans up to ₱25,000 approved instantly with just one valid ID
Loan amount
₱200 – ₱25K
Interest from
15.00%
Term
7 – 61 months
Approval
Instant
Pros
- ✓ Instant approval with just one valid ID
- ✓ Available to first-time borrowers with no credit history
- ✓ Multiple cash-out options: GCash, 7-Eleven, Cebuana
- ✓ Loan limit grows with on-time repayment
Cons
- ✗ Very high interest rate — about 182.5% APR
- ✗ Short repayment period (max 61 days)
- ✗ Low starting limit for new borrowers (₱200–₱3,000)
Requirements
- One valid government-issued ID
- Android or iOS smartphone
- Age 18 and above
- Philippine mobile number for OTP verification
Company information
Tala Mobile Philippines Inc.
https://tala.ph
This document is for informational purposes only. Always verify current terms and conditions directly with the lender before signing any agreement. CoolFinance.ph is an independent comparison portal operated by double technology s.r.o., Czech Republic.