Tally is the first automated debt manager. Tally saves money, manages credit cards, and pays off balances faster. Tally’s Low Interest Line of Credit has helped thousands of people consolidate credit card payments into one bill and save on interest and late fees!
Sign up for Tally and quickly see if you qualify for a line of credit. Our credit check will not affect your credit score.
Tally is available in most states except MT, NV, and WV. Typically, you need a FICO score of 580 or higher to qualify for a line of credit. (Scroll down to see which credit cards Tally supports.)
This is how it works:
1. Download Tally
Within minutes, Tally can help you get rid of your debt, and it won’t hurt your credit score.
2. Find your savings
Once you qualify, Tally offers you a line of credit with a low annual percentage rate (APR). Tally then uses the new line of credit to pay off your credit cards each month. The low APR saves you money on interest. (Scroll down for important information about what Tally charges.)
3. Organize your cards
Manage all your credit cards in one easy application! Tally keeps track of the balances, interest rates and maturity dates for each card. This is how Tally makes the right payment on the right card at the right time. All you have to do is make a monthly payment to Tally.
4. Say goodbye to late fees
Tally’s late charge protection gives you the peace of mind of automatic payment without the fear of overdrafting. As long as you’re in good standing with Tally, you’ll avoid the hassle of late fees.
5. Go Debt Free Faster
That’s it! Tally helps separate the burden of credit cards from the benefits. Keep using your credit cards for rewards and let Tally take care of the hard work. No stuff. Just a smarter way to manage your cards and a faster way to pay off your balances.
FREQUENTLY ASKED QUESTIONS
What does Tally charge?
To take advantage of Tally’s benefits, you must qualify for and accept a Tally line of credit. Depending on your credit history, your APR will be between 7.9% and 29.9% per year. The APR will vary with the market based on the prime rate. Some lines of credit are subject to an annual fee, which will be explained with your offer if you qualify. If you don’t qualify for a line of credit, Tally’s card reimbursement services are available for $ 4.99 / month.
How does Tally estimate my savings?
To calculate your savings, we look at: 1) a weighted average APR based on your initial qualifying credit card balances and APRs; 2) an average monthly payment to Tally of 3% of your eligible balances; and 3) an average monthly spend of 0.8% of your qualifying credit card balances. We exclude credit cards with an APR lower than the Tally APR, as Tally does not make any payments on these cards. For the estimate of savings for Express members only, we assume that you receive the Express discount every month.
How does Tally save me money?
You can save money with a lower APR on your Tally Line of Credit. This means that you save money on the interest on your credit card every month. Tally’s late charge protection helps you avoid missed payments.
How does Tally make money?
Tally earns money from interest on your Tally Line of Credit, but only if Tally can help you save money. Tally also earns money on membership fees (annual or monthly fees) depending on the Tally service you qualify for.
The Tally app and service are only available in English. In the event of any discrepancy between the translations, the English version prevails over the other translations.
Tally supports most cards from American Express, Bank of America, Barclays, Capital One, Chase, Citibank, Discover, First Bankcard, Fifth Third Bank, US Bank and Wells Fargo, as well as cards from Amazon, American Eagle, Best Buy, Home Depot, Macy’s, Sears, TJ Maxx and Walmart.
Lines of credit issued by Cross River Bank or Tally Technologies, Inc., NMLS # 1492782 (nmlsconsumeraccess.org), see your credit agreement. Loans made by Tally pursuant to the California FLL License or other state laws.