Tally App Review

I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

Tally is a credit card debt payoff app that can help users get rid of credit card debt and begin to build financial freedom. By keeping all of your cards in one place, you can help organize different APRs, keep track of due dates, and keep an eye on your balances.

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Credit card debt payoff app

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Key Takeaways:

  • Tally can help you lower your interest rate.
  • Tally will use your line of credit to pay off high-interest credit cards .
  • Tally can handle all of your payments.
  • Customers benefit from a personalized payment plan and late free protection.

Pros & Cons

Here are the pros and cons of the Tally app.


  • Combines APRs and balance for more organization
  • Pays off high-interest credit cards
  • Customized low-interest line of credit
  • Get out of debt 2x faster


  • Tally costs $300 per year
  • Requires a credit score of 580

Tally offers a unique way for customers to keep track of their APRs, due dates, payments, and cards — all in one place. This credit card payoff app also offers a credit line to help customers build their credit and eliminate debt

Tally offers two different membership levels for customers — Tally basic and Tally+. Customers can choose between which platform to use based on their debt payoff needs and personal preferences. 

So why should you choose Tally? Check out this Tally app review to see how you can save money on credit card fees. 

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Quick Summary

Est. APR: 7.90-29.99%

Loan Amount: $2,000-$25,000

Min. Credit Score: 580

About Tally

Tally is a credit payoff app that can help consumers consolidate credit card payments, save money on interest fees, and organize their finances.

Plus, Tally offers a credit line with a customized credit limit and APR options for those who qualify.  The benefit of this credit line is that Tally can check to see if you qualify, without it hurting your credit score. 

Tally has the purpose of helping save people from millions of dollars of credit card debt, interest payments, and late fees. Ever since its inception in 2015, this company has tried to help individuals become financially independent and eliminate debt. 

The founder, Jason Brown, understands the complexities of the financial system. He created Tally to help people get rid of built-up debt and keep their hard-earned money in their bank accounts. 

With a professional team of individuals, like VPs of Products, Engineering, Compliance and People Operations, and Analytics and Credit, this well-rounded business can help individuals learn how to save money and build their credit scores

How Tally Works

The main services that Tally offers include the following:

  • Credit Card Manager — This helpful tool helps individuals keep their credit card information all in one place. The Manger helps track the balances of your credit card payments to ensure you pay on time and avoid overspending. 
  • Balance Transfer — Tally helps individuals transfer funds by eliminating costly transfer fees, reducing debt through customized payoff strategies, and allowing small payments to slowly chip away at mounting debt. 
  • Credit Card Late Fee — Tally ensures there are no credit card late fees on your account by tracking your due dates and making the minimum payment for your credit lines. 
  • Line of Credit — The last benefit of using Tally’s services is that this company can provide you with a personalized line of credit. This credit line can help you lower your APR and save you money in the long run. 

Qualification Requirements

Customers who are interested in using Tally must do the following to see if they qualify:

  • Download the app to your smartphone (Android or iPhone).
  • Securely add your credit cards to the app.
  • Tally will run a credit check to see if you are eligible for the line of credit.
  • Usually, a score of 580 is needed to qualify for Tally.

Who is Tally Best For?

Tally is well suited for those who may have multiple lines of credit, mounting debt, or high APR rates with their other credit lines. This app and service can help customers balance their credit cards, eliminate debt through slow and small payments, and build their credit by using a lower-APR credit card. 

Individuals who have expensive credit cards and can’t pay off debt will benefit from using Tally. This service will help free up space on their credit lines so they can continue paying off debts and continue using their cards for payments. 

Plus, those who have accumulated excess debt over the years will benefit from using Tally. Whether it was student loans, healthcare fees, or credit card fees over the years, debt can quickly accrue and cause your credit score to plummet. 

Using Tally can help you improve your credit score and get out of debt faster.

Compare to Other Lenders

Upgrade logo
  • Est. APR: 5.44-35.47%
  • Loan Amount: Up to $50,000
  • Min. Credit Score: 560
SoFi logo
  • Est. APR: 5.74-20.28%
  • Loan Amount: Up to $100,000
  • Min. Credit Score: 680
Credible logo
  • Est. APR: Up to $100,000
  • Loan Amount: 2.49%-35.99%
  • Min. Credit Score: 620

Should You Use Tally?

So, does Tally sound like the right move for you?  In some cases, it will be! Tally is a helpful service that can help individuals with various credit lines keep their money organized.

By keeping everything in one place, Tally can help balance your budget, make minimum payments on time, and avoid costly late fees. 

Organizing your credit is a key way to help avoid late fees and reduce low credit scores on your FICO Scorecard. Individuals should consider signing up for Tally before their credit score drops below 580. 

This is typically the cut-off for the qualifications for the service, so customers who are struggling to maintain a credit score above 600 should apply before it is too late. 

Tally helps young adults and financial experts alike by keeping all of your cards in one place, providing personalized payoff strategies, setting your payments on autopilot, and eliminating debt faster than other credit cards.

Does this sound right for you? Check out Meet Tally to read more about this service and find out if you qualify!


Before you sign up for this service, customers should read the most commonly asked questions and answers to see if this app is right for them.

How trustworthy is Tally?

Tally is a credible and verified company that has numerous favorable reviews online from professionals and customers.

Based on an article on CNBC, Tally is a useful service that helps consolidate credit card payments. Tally earned 4.5 out of 5 stars in 1,557 reviews on Trustpilot and 4.5 out of 5 stars in 19,141 reviews on the App Store.

According to Consumer Affairs, the pros of using Tally is that you can easily use this app on your Android or iOS device, it offers one monthly payment, and it is free to download.

The cons of using Tally is that it requires a higher credit score than other companies.

Does Tally hurt your credit score?

In some cases, Tally may report payments to one of the major credit bureaus. In this case, it can cause someone’s credit score to drop if they already have multiple credit lines open and a high amount of credit being used.

However, the initial credit check will not impact a person’s credit score.  

Does Tally really save you money?

If a person has high-interest credit cards and a high APR, Tally can help save you money on interest and provide debt relief up to 2x quicker. 

Does tally help you pay off your credit card debt?

Tally helps customers pay off their credit card debt by transferring their credit card fees to Tally’s line of credit. This way, Tally can help you pay off your line of credit instead of directly paying the credit card companies. 

What states is Tally available in?

Tally is currently available for users in the following states: Arkansas, California, Colorado, Connecticut, Florida, Illinois, Louisiana, Massachusetts, Michigan, Minnesota, New Jersey, New York, Ohio, Texas, Utah, Washington, Wisconsin, and Washington DC.


Tally gives you a lower interest line of credit that helps you get out of credit debt. Tally can get you to $0 credit card debt years faster.

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I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

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