Is It Possible To Utilize The Tala Loan Application Form Online?


Tala, a prominent financial service provider, aims to cater to the financial needs of individuals in the Philippines. This review will provide an in-depth analysis of the Tala loan application process, outlining the qualifications required, loan amounts, interest rates, repayment periods, and the potential consequences of late repayments. By understanding these aspects, individuals can make informed decisions when considering Tala as their financial partner.

Tala does not have an online loan application form. You can only apply for a Tala loan through the Tala app.


Application Process

To initiate the Tala loan application process, individuals must follow a few straightforward steps, as outlined below:

Download the Tala app:

To commence the loan application, interested individuals need to download the Tala app from either the Google Play Store for Android users or the App Store for iOS users. The app serves as the primary platform for Tala loan applications and ensures a seamless user experience.

Account Creation:

After successfully installing the app, prospective borrowers are required to create an account by providing accurate personal information. This information typically includes the borrower’s full name, contact details, and identification number. Ensuring the accuracy of these details is essential, as they form the basis for identity verification and loan processing.

Submission of Identification:

As part of Tala’s commitment to responsible lending practices and regulatory compliance, borrowers must submit a government-issued identification document. This requirement aims to validate the borrower’s identity and prevent fraudulent activities.

Income and Expense Details:

To better understand an applicant’s financial situation and determine their eligibility for a Tala loan, the app prompts users to provide information about their income and expenses. This data assists Tala in assessing the borrower’s repayment capacity and making informed lending decisions.

Acceptance of Terms and Conditions:

Before proceeding with the loan application, borrowers must carefully review and accept Tala’s terms and conditions. These terms outline crucial aspects such as loan terms, interest rates, repayment obligations, and any associated fees or penalties. It is vital to comprehend and agree to these terms before finalizing the loan application.

Loan Approval and Disbursement:

Once the loan application is successfully processed and approved, Tala promptly disburses the loan amount to the borrower’s preferred bank account or through M-Pesa, a popular mobile money service in the Philippines. The efficient disbursement process ensures that borrowers receive the funds they need within minutes.


To be eligible for a Tala loan, applicants must meet specific qualifications set by the company. These qualifications are designed to ensure responsible lending practices and maintain the security of both borrowers and the financial institution. The following requirements must be met:

Age Requirement:

To qualify for a Tala loan, individuals must be 18 years old or older. This age requirement ensures that borrowers are legally capable of entering into financial agreements and assumes the responsibility associated with borrowing.


Tala loans are exclusively available to residents of the Philippines. Non-residents are ineligible to apply for loans through the Tala app.

Valid Identification:

To verify borrowers’ identities and comply with regulatory obligations, Tala mandates the submission of a valid government-issued identification document. This requirement adds an extra layer of security and minimizes the risk of identity theft or fraudulent activities.

Mobile Phone and Internet Access:

As the loan application process is conducted entirely through the Tala app, it is imperative for applicants to possess a mobile phone with an active internet connection. This requirement ensures seamless communication between the borrower and Tala and enables individuals to access the full range of loan services conveniently.

Regular Income:

Demonstrating a regular source of income is a vital qualification for Tala loans. The company evaluates the applicant’s income to assess their repayment capability and determine the loan amount that can be approved. This criterion helps maintain responsible lending practices and ensures borrowers can manage their loan repayments effectively.

Loan Amounts and Repayment Terms

Tala offers flexible loan amounts based on individual credit histories and repayment capabilities. The loan amount is subject to approval and may vary depending on the borrower’s specific circumstances. Key aspects of loan amounts and repayment terms include:

Loan Amounts:

For first-time borrowers, Tala provides an initial loan amount of up to β‚±5,000. However, as borrowers demonstrate responsible repayment behavior, their creditworthiness improves, enabling access to higher loan amounts in subsequent applications.

Interest Rate:

Tala loans carry an annual interest rate of 14%. It is crucial for borrowers to consider this interest rate when assessing the affordability of the loan and planning for timely repayments. By understanding the interest rate, borrowers can effectively manage their finances and avoid unnecessary financial strain.

Repayment Period:

The repayment period for Tala loans ranges from 1 to 61 days, providing borrowers with flexibility when it comes to loan repayment. Borrowers should carefully consider their financial capabilities and choose a repayment period that aligns with their income and expenses. Opting for a shorter repayment period may result in higher monthly repayments but could potentially save on interest charges in the long run.

Late Repayment Consequences

While Tala encourages borrowers to fulfill their repayment obligations promptly, unforeseen circumstances may sometimes hinder timely repayments. It is essential to understand the potential consequences of late repayments to make informed decisions. Late repayments can lead to the following consequences:

Late Fee:

If borrowers are unable to repay the loan within the specified period, Tala charges a late fee of β‚±50. This fee is intended to compensate for the additional administrative efforts required to manage late repayments.

Increased Interest Rates:

Persistent late repayments may result in Tala imposing higher interest rates on future loans. This measure encourages borrowers to prioritize timely repayments and helps maintain responsible lending practices within the borrower-lender relationship.


Tala offers a user-friendly loan application process through its dedicated mobile app, enabling individuals in the Philippines to access much-needed financial assistance conveniently. By meeting the specified qualifications and responsibly managing their loans, borrowers can establish a positive credit history and increase their loan limits over time.

It is crucial to carefully consider the interest rates and repayment terms when applying for a Tala loan, ensuring that borrowers can manage their finances effectively and avoid unnecessary financial strain. Timely repayments are of utmost importance to avoid late fees and potential increases in interest rates. With Tala, individuals can access financial support efficiently, paving the way for improved financial well-being.


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CashLoanPH Changed status to publish 07/07/2023