TALA ang loan app na maasahan – Bakit nga ba?

TALA Philippines Review - The Best Online Loans Fast Approval in 2020 Philippines

This is just the one of the many reviews about TALA Philippines. Isa lang to sa iilan pa. Ang dami na rin nilang sinabi. Pero kombinsido ka na ba? Gusto mo pa ba nang isang pahayag tungkol dito? May mga katanungan ka pa ba?  Tutuloy ka pa ba magloan sa TALA? Eh bakit nga ba?



Nakapagloan ka na ba sa TALA? If so, share us your experience by commenting down below. Our Kabayans will love to know about it.

Bakit ka maglo-loan sa Tala?

Over 1 million downloads na si Tala sa Google Play so milyong katao na rin ang nakahiram sa Tala app. Magaling pa dito pinapayagan nila ang kahit sino na may Android smartphone na makapag-apply ng loan at makatanggap ng mabilisang desisyon, anuman ang credit history nyo. Iba ‘di ba? Kaya naman halos lahat ng reviews at feedback na nababasa mo tungkol sa Tala ay good comments. Pero bakit ngaba patok na patok sa milyon-milyong mga Kabayan natin si Tala. Tara! kilalanin nating mabuti ang Tala. Let’s get to know more about Tala Philippines!

For you to know hindi lang sa Pilipinas nag o-operate si TALA, international company operations din to. TALA locations are also in Mexico, Tanzania, Kenya and India. The founder and CEO is Shivani Siroya.

The mobile app was released on July 28, 2016. As of today, they are in the top #3 free finance ranking in Google Play. In the long run since then they have in the top online loan app choices. They have become also the trend in the comments.

Mga Sagot sa Kadalasang Tanong tungkol sa Tala

1. Interest at Terms of payment –

Isa sa mga kadalasan tanong halos nang mga uutang o interesado eh “ Magkano ba interest nyan?” “Eh, kailan ko naman babayaran yan? Baka bukas sisingilin na agad ako. Naku-naku di pwede yan, lugi ako sa tubo nyan..”

Ang termino nang pagbabayad sa Tala ay maaring hanggang 21 araw na pagbabayad ng loan na may isang beses na interes na 11%, o maari rin namang 30 araw na pagbabayad ng loan, na may isang beses na interes na 15%.

**Effective APR: 183-191%. Tala will never charge you more than the amount of your service fee (plus, if you do not repay on time, a one-time default fee). Interest and fees do not compound or accrue.

Uy, on the side note ha magaan na terms nila di katulod sa iba. Eh, kasi halos 7 or 14 days (1 – 2 weeks) lang tapos laki pa nang tubo. Not bad at all.

2. Halaga nang pwede mong hiramin –

Si customer ay hindi naman agad-agad da-dive in sa kahit anong pautang ng di tinatanong ang mga linyang “ Magkano naman pwede kong utangin sa Inyo?” “Pwede ba hanggang isang milyon? Naks!”

Pwera biro mga Kabayan, si Tala ay mapagbigay naman. Ang unang loan mo ay magsisimula sa Php 1,000 – 2,000 at maaaring tumaas hanggang Php 10,000 kapag ikaw ay nagbabayad palagi sa itinakdang petsa.

Di naman ganun din kalakihan first loan mo pero mabuti na yun pag approved naman. Mga sagot sa panahon nang iyong kagipitan. Saklolong iyong maasahan. Pero promise naman ni Tala that if you developed a good credit standing by paying your loans at the right time eh ibibigay nya naman sayo ang increase credit limit mo.

Well, the key in here (a bit of 101 how-to-be-a-good-customer) is that be a responsible borrower. What you owe, you must pay. We always encouraged everyJuan to be a responsible citizen of the community.

3. Mga requirements at Valid ID’s –

I’m sure itatanong nyo rin to “Anu-ano ba ang mga kinakailangan para makapag apply ng loan sa Tala?”

Good thing is, valid ID at Android phone lang kailangan mo para makapag loan sa Tala. Dahil nga digitized o thru online app nag o-operate si Tala, no need of paper work required na, no need of bank account also, as well as save mo na pamasahe mo di mo na kailangan pa pumunta sa office nila.

Just download their app via Google Play store and register an account. Sagutin lamang ang ilang mga katanungan. Then viola, maaari kanang makapag loan.

Mga valid ID’s…

Ang mga valid government-issued IDs na tinatanggap nila ay ang mga sumusunod:

  • SSS ID
  • UMID
  • Voter’s ID
  • Passport
  • Driver’s License
  • PRC ID
  • Postal ID

4. Proseso –

Yung mga tanong mong “Kailan ko naman makukuha pera?” “Mabilis ba yan? Eh baka aabotin pa tayo ng hanggang isang taon nyan sa kahihintay?” Yung mga  times of immediate needs or emergency crisis. Yung tipong ‘i can’t wait until tomorrow, I badly needed it now’.

Sa loob lamang ng ilang minuto ay may loan desisyon naman kaagad sila. Just follow the steps in the app during the loan application. Pili ka muna ng halaga na gusto mong hiramin base sa loan amount selection that the app provided. Select your terms of payment o isekdyul ang iyong pagbabayad at kung saan mo gustong makuha ang pera na maaaring matanggap.  May isang araw (24 hours) loan disbursement ang Tala o maaaring mas mabilis pa depende sa iyong napiling cashout option.

5. TALA Philippines Cash Out (Loan Disbursement)

“Paano ko makukuha ang pera?” “Madali lang ba sa Tala?” Naku hirap nito lalo na pag wala kang bank account. Well, good news!

Most (I mean not all, but some) of the online loan credit companies understand the situation of the unbanked Filipinos. That’s why online credit companies are born here in the Philippines to address the situation. To help individuals our fellow Kabayans to have some credit chances.

Halos lahat nang transactions pag pinag usapan  ay pinansyal, eh edinadaan talaga sa bangko. Kaya yung iba mahihirapan makapag loan, sa dinami-dami rin na legal documents pepermahan mo at santambak nang papeles esasubmit mo. Nakakatakot magloan.

No, not anymore! Matatangap mo pera mo kapag ang iyong loan application at ID requirements ay naaprubahan. Pwede kang pumili kung saan mo gusto matanggap ang iyong loan.

You can choose to any of these:

  • Padala Center (Cebuana, Palawan, M Lhuillier & LBC)
  • Bangko (Nominated bank account)
  • Coins.ph

6. Pagbabayad (Loan Payment)

“Paano magbayad nang loan sa TALA?

Maaari niyo lamang bayaran ang iyong loan sa 7-Eleven, Cebuana, M Lhuillier at Coins.ph. Pwede niyo ito bayaran ng buo o installment sa inyong due date o bago ang inyong due date.

7. Fees at Penalties-

“Paano naman kung di ako nakapagbayad sa itinakdang panahon?”

Kapag di ka naman nakapagbayad sa itinakdang petsa, madadagdagan ng 8% ang iyong kabuoang balanse. Meron ka lamang palugit na 14 na araw para mabayaran ang inyong hiniram.

8. Customer Service-

In fareness din naman sa TALA Philippines, good feedbacks naman nababasa mo. Nagrereply naman sila sa halos lahat nang questions. Polite yung customer service nila.

Mga Katanungan? Kailangan nang kasagutan? Contact the support team of TALA, you can e-mail them at support@tala.ph. Tala Facebook Page “Tala Philippines”. Pwede ding SMS (21585280) at sa in-app chat na makikita sa loob ng Tala app.

This is not yet the end. Hindi pa ito ang huling review sa TALA sa marami pang reviews na tungkol dito. We’ll see, we’ll make another review for this.

What are your comments, reactions and experiences about TALA? Feel free to share it with us. It’s always a good thing to have group discussions.

TALA’s official website: https://tala.ph/

Looking for more legit loan choices? Of course, we got it covered!

Psst :)… alam niyo po ba na pwede rin mag-loan kay PayMaya? Don’t miss reading our detailed guide on how you too can get qualified for PayMaya Loans!

Get qualified with PayMaya Loans

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Staff Writer

This post is written by our staff writer here at PinoyMoneys.com.

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