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Personal Lines of Credit
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Last Updated: 04/18/2025

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Tally

in Personal Lines of Credit from Tally Technologies

Last Updated: 04/18/2025

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Amount Range

$2,000 - $25,000
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APR (Variable APR)

7.90% - 29.99%(Verified 06/21/2024)
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Tally Review

Tally is offered through Tally Technologies, a financial services company founded in 2015 and based in San Francisco, CA. Tally are available in 47 states and Washington, DC.

Tally FAQ

What APRs does Tally offer?

Tally offers a variable APR that ranges from 7.90% APR up to 29.99% APR.

Does Tally charge an origination fee?

No, they do not charge an origination fee.
An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does the Tally charge a cash advance fee?

No, they do not charge a cash advance fee. Some lenders charge a cash advance fee every time borrowers withdraw cash from their line of credit. Typically, fees range from 0.5% to 10% of the amount withdrawn.

Does the Tally charge a statement balance fee?

No, this lender does not charge a statement balance fee.

Does Tally charge a late fee?

No, they will not charge you a late fee .

How much can you borrow via Tally?

Upon approval and based on your credit score and credit history, your personal line of credit will be assigned a credit limit of at least $2,000 and as much as $25,000. .

What do you need to qualify for Tally?

Applicants with a credit score of at least 580 and up to 850 may be eligible for Tally. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Tally does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Tally.
To qualify, applicants may need to provide the following documentation:
  • Applicants must have an active and valid personal checking account
  • Proof of income
  • Government issued photo ID
  • Proof of identity

What do you need to qualify for Tally?

Applicants with a credit score of at least 580 and up to 850 may be eligible for Tally. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Tally does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens are, of course, eligible for the services offered by Tally. Permanent resident / green card holders are also eligible to apply.
To qualify, applicants may need to provide the following documentation:
  • Applicants must have an active and valid personal checking account
  • Proof of income
  • Government issued photo ID
  • Proof of identity

Does Tally report your account activity to credit bureaus?

Yes, Tally reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Tally Technologies perform a hard credit pull?

Yes, Tally performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Is Tally a legit company?

Tally was founded in 2015, it is a well-established company that has been in business for 11 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

How to apply for Tally

  • Visit the website.
  • Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
  • Check the information is accurate and submit your application.

Tally Disclosure: Lines of credit issued by Cross River Bank, Member FDIC, or by Tally Technologies, Inc. (“Tally”), NMLS #1492782 (nmls.consumeraccess.org), see your line of credit agreement. Lines of credit not available in all states.
To get the benefits of a Tally line of credit, you must qualify for and accept a Tally line of credit. Based on your credit history, the APR (which is the same as your interest rate) will be between 7.90% - 29.99% per year. The APR will vary with the market based on the Prime Rate. Annual fees range from $0 - $300.
The estimated monthly payment is based on 3% of your offered credit line. Your actual monthly payment may fluctuate each month and could be more depending on your APR, outstanding principal balance, payments made to your credit cards from you credit line, annual fees, and any missed payments.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

P.O. Box 411165
San Francisco, CA 94141
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Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed

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