Paano Umutang sa Tala?

Paano nga ba umutang sa Tala? Below are brief guide on how to loan on Tala Philippines.

A short introduction, ano nga ba ang Tala?

Tala is android application wherein anyone in the Philippines can borrow from 1000 - 10,000 pesos without even talking to a person! imagine that! need mo lang i-download sa Google Playstore yung application. (di ko lang sure kung meron nito sa appstore).

https://play.google.com/store/apps/details?id=ph.com.tala&hl=en

Well heto, kwento ko na lang experience ko on how I did manage to borrow 1000 pesos on my first loan.

Nacurious kasi ako, lagi nalabas sa newsfeed ko sa Facebook yung app, tinest ko kung legit haha.

But I am surprised that the application was so straightforward.

You only need to fill-up a form, provide mo lang personal details mo like trabaho, income per month, etc. (I am self- employed btw)

Tapos submit mo na! then after 1 hour , Tala approved my application. Please see the image below.

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Then nung niclick ko na yung "VIEW LOAN OFFER", humingi yung Tala ng picture ng valid id ko. (sa first loan lang ito). Passport yung ni-submit ko, pero pwede naman voters ID or any other government ID.

Pinicturan ko yung harap at likod ng Passport ko. Tapos isang selfie picture din together with your ID.

Then after ko masubmit yung pictures ng ID ko, naghintay ulit ako ng 1 day.

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Then kinabukasan, nung binuksan ko ulit yung Tala, may message doon na pwede ko na daw kuhanin yung 1k.

May options doon na kung saan mo papupuntahin yung pera, pwede pickup (via palawan express, bank, coins.ph).

Ang pinili kong option yung bank (I used LandBank)

Then hayun, after 5 minutes lang nasa bank account ko na! :) di ako makapaniwala na sobrang bilis haha :)

Btw, yung interest rate ng tala as of writing this eto yung sabi ng Tala.

Tala charges a service fee of 11-15%* of principal. Repayment schedules may vary; however, the maximum repayment period for a Tala loan is 21 or 30 days from disbursement. Maximum late fee of 8% of principal. Additional terms and conditions apply.

Nung umutang ako ng 1k, ang interest eh 15% kase 30 days yung pinili kong schedule ng payment. pero kung gusto nyo mababa yung rate, piliin nyo yung 21 days.

so 15% of 1000 = 150 pesos

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About payment, pwede ka magbayad via bank, 7/11.. well I will use 7/11 para less hassle.

Yung loan amount na pwede mo utangin sa Tala pwede tumaas hanggang 10k basta maaga ka nakakabayad.

Parang nag lelevel up.

So pano? I hope this post enlightened you about Tala Philippines.

Salamat Tala, Sa uulitin! :)


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