Tally: Pay Off Debt Faster Reviews

by Lelambert

AVOID Tally. It is not worth the frustration.

First off, I have had continuous problems with Tally because my Capital One cards would never link (which they said was a problem for all users currently). I used this app Pay for a month or so with no other issues.

My frustration and issues began when I changed my account setting from this app Pay to You Pay (where this app pays from my direct bank account) and they still processed the payment from this app’s line of credit. I had made a payment directly from my bank (not using the this app app) because I did not see the You Pay payment post and did not want to pay any late interest fees on my credit card. I also checked Tally and there was no this app Pay or You Pay payment for the credit card showing in Tally . Well a couple weeks later, I check Tally and see that they this app had processed the payment from their line of credit, instead of my bank account as the settings were set to. So now I have an overpayment that this app processed and I personally owe to this app. When I canceled my account, the rep mentioned nothing about interest accrual but when I got my account cancellation email it says that I am accruing a daily interest on the amount I owe to this app, which was a mistake made on their part!

Horrible, vague policies and processes, along with lack of real-time data on Tally that trap customers into owing more money. I would not recommend.

by Mannalla

Update: Horrible Cookie Cutter response from company. They try to explain the way they conduct the verification and imply that it was my fault for not getting back to them quick enough. If they had actually taken the time to read my review, I clearly state that I was never informed of anything whatsoever. I was not contacted stating I had 14 days, I was not contacted at all. I had to figure things out myself by calling them. Then when I did call them and told them I had not been contacted they didn’t extend my time to verify or apologize or anything. Just plain rude people.

Tally itself seemed to work ok. I set up my cards, just two. I was all prepared to make my first payments. Then Tally stated I had an error and my account would be closed in a few days. After that I contacted customer service to figure out what was going on. They told me I hadn’t responded to their email for requests on further documentation. I never received an email other than the initial setup emails. I informed them of that. They did not give me any extra time to get the documents they requested and simply closed my account. I’ve got great credit and always make my payments on time, there was no reason for me to be treated so horribly.

by Lexxinater

For several days now, Tally has had issues. I cannot load any of my account information, and they publicly stated they have been having issues with it. So, under their direction, I deleted and re-downloaded Tally . It worked for one day and now they are having issues AGAIN.

And that’s not even the main problem. After several payments, I noticed my balance wasn’t going down, so I contacted them and provided screen shots. They stated they did not see any issues, and when I checked later it appeared as though it was “fixed.”

I felt uneasy, and absolutely do not trust this company or their employees and their cookie-cutter responses, so I completely paid off my balance and requested to close my account. They then stated they would start that process, and then send me a bill for all the interest I owed. Are you kidding me?! So after paying my balance I now have a completely separate interest balance I have to pay? Why isn’t this viewable in my account rather than me blindly getting burdened with yet another bill? The whole point of this was for me to be in a better place and pay off my debt. I feel like I was taken advantage of, and this company is a complete scam.

by Jinnybinny

I highly dislike this service and app. I was hopeful about it but ran into some issues shortly after signing up as their system, even for connected cards, can not detect the special amount due. It only can tell full balance or minimum due. Only way to add a custom payment is talk to them, and depending on who you get, this will be a simple or complex process. Now, my cards never stay connected and will disconnect each month. So they are not being paid. And when they ARE being paid, they are sending double payments. I caught one of them but missed one. Now I have to fight my cc company to get the payment reversed without paying fees.
CLEVER this app. Great way to make me pay more and accrue more interest with your “glitches”.
This was the biggest mistake ever. I collected some cc debt during my remodel and was debating using this or taking out a HELOC. Use this if you absolutely desperate. I wanted to try it because I found their system and app attractive and it was easier than the HELOC. It seemed like it would be easy and simple to use. I should have taken out a HELOC since I have no mortgage. Be smarter than me, folks. Do better.

by Dalila89

After the usual marketing harassment to sign up for this app, I decided to give it a try, they wouldn’t accept some of my cards because they had a debt under 5K, so I decided to transfer balance from another card and have one big balance so this app could then make the payment and then I will pay them. Not only they didn’t cover the full balance of the card they accepted, they kept making ridiculous high payments to that card leaving me with the debt of the card still and a tremendous debt with this app. They absolutely ignored all emails and settings changes asking them to stop making payments on my behalf. Now I have the credit card debt and a minimum monthly payment to this app close to 700$ monthly, besides being in collections because I cannot meet the minimum payment. I tried to contact them regarding a payment arrangement and cancellation of my account an they came up with a payment that is as ridiculous as the former one, specially for a college student. This is not a debt free friendly app BE CAREFUL!!!! and understand how this works before you get involved, they don’t want to help you like other debt relief programs, all this app wants is money, YOUR MONEY by getting you engaged in an endless cycle of debt

by Lyssa773!

The first and most important of my issues is that they claim they pay off your cards for you so you don’t have to worry about it, which is false. All it really does is allow you to see all of the cards you have in one place (which also presents its own issues, I will discuss next), but you still have to decide how much to pay towards each card yourself (they don’t even give you the most basic of help in how much/how you should split up what money you have to go toward what cards). On top of that, I have 4 cards, two of which aren’t able to be connected, which is whatever because I was able to manually update the APR and balances of them. However, I have two checking accounts, Members first federal credit union, and BB&T which recently changed to Truist, and neither of these checking accounts are able to be linked, essentially making the entire app pointless because I couldn’t make any payments, even if I wanted to. If you’re going to have an app like this, maybe at least make sure that you give the most basic of help that you are advertising.

by Shanulan

this app dropped my score by 53 points. Literally the worst service ever. I expected them to pay off a big chunk of my credit card, but they paid the minimum payment at higher interest rate than my credit card itself. Nothing more. Total scam. Capital One themselves are more lenient about missed payments than this app. If you miss a payment they will report it right away, whereas Capital One is willing to work with you. I wasn’t even behind on payments, I was just trying to get an edge and help pay down my only high balance credit card and instead I get an epic score drop, and these people hassling me with threatening emails more than my credit card company ever did (which was NEVER). I paid off $10k of debt by myself that these people failed to help with. Don’t trust the reviews here, this company is obviously established for people who have predatory lenders and not “normal” credit card companies. 29% interest on the “this app line” is NOT any better than my 22% capital one APR. Filing complaints with BBB and anywhere else I can make it known.

by User12212233

While this app seems like a great idea, and I’m sure they are well meaning (maybe I’m not so sure). Well, hoping Tally is rooted in the idea to help people, I’ll continue to say that I went through the application process and was approved for a line of credit at X% APR. Yay! Unfortunately the APR I was approved for was higher than any of the credit cards I’m trying to pay off. There was no warning and no information on the FAQ page for “What if I get approved for a higher APR than my current cards?” I was immediately taken aback and called the customer care center, who were actually very helpful and said they would take note. They essentially advised me over the phone to not move forward with the loan, BUT WHAT IF I DIDNT CALL?! How many people have gone through this process and are now paying a higher amount than they would otherwise pay?!

Will remove when they add a warning prior to accepting the loan, and/or add an FAQ section for this information.

by Revredrusty

First you need a minimum fico credit score of 660 to be approved for a line of credit. So if you don’t have that high of a score don’t even waste your time trying this option. Secondly when I spoke to the rep over the phone they could not be specific on how balances are paid down or off. They did advise that you can specify how you want your debt paid by using the line of credit. The run down is this. Your APR is going to range from 7.9%-21% roughly. I’m just making this comment so it’s easier for us consumers to see it. So they have a formula which I was unable to get from the rep over the phone. So since I don’t have their formula on how the APR brackets break down as far as the interest rates you might be funneled into I can’t really comment on that. But if their minimum fico score is 660 I think it’s pretty safe to say your going be in their higher APR bracket. And depending on your credit worthiness and debt history and payment history probably has a factor as well. Just saying Tally sounds great and I would love to have just one payment and all cards paid off and just pay this app at a lower interest rate. Realistically though for me it sounds like this app would become another debtor added to my portfolio especially if my line of credit doesn’t cover all the debt of the cards. Just be vigilant before proceeding with this offer. Hope this helps someone.

Consumer with debt

by Jyp0110

I love the idea of Tally and it helps with paying off my debt no doubt, however I get about 1-3 notifications a month about how my cards keep de-linking from Tally and that I have to relink. Tally takes forever to link a card to its app and you have to do it each time for each individual card.

Emailed customer service a couple times about this and they keep sending me the same copied+pasted automated message that literally doesn’t answer my question even a little.

Huge pet peeve of mine is when customer service make it obvious they didn’t take the time or energy to really read your message and send a real response. It literally happens with like 90% of the companies I email when there’s a problem and I always have to point out to them that the answer they provided me has nothing to do with my question.

by Slmu27

2 stars for concept, but Tally is terrible. I downloaded it to redeem the $50 Groupon deal, not realizing that so much personal information would be required (name, address, credit card number, credit card login, and a soft credit check). I unsuccessfully linked my credit card because I couldn’t remember my card login information. Okay, all of this is my fault. I should’ve done more research and had my information readily available. However, Tally is terribly designed. Not only have they forgotten to put in “back” buttons to return to a previous screen - meaning you have to fully exit Tally to get out of certain screens - but they’ve added unnecessary animations and haptics that take WAY too long to finish and you cannot navigate out of them before they’re done. Plus, once you’ve added one credit card, there is no option to add another before signing up for their line of credit (which I can only assume results in a hard credit check). At this point I have no idea how to just get the $50 applied toward my credit cards, and I’d rather not take a hard credit inquiry to my credit score anyway, so I’m deleting Tally .

by Kaitlyn Fife

I love that I don’t have to worry about my due dates; I just keep some money in the bank and this app does the rest. (Not all of my accounts have autopay, so this is really handy.) this app also allows you to choose a pay down strategy, select which cards this app pays and which you manage yourself, and opt-in to an extra weekly payment on one of your accounts. My only real gripe with Tally is that your weekly extra doesn’t allow you to choose what day the payment is made; I understand the appeal of “this app Tuesday” as a catchy name, but as someone who gets paid weekly on Wednesdays, “this app Thursday” would be better. ;) But for real, it would be a 5-star app if I had that tiny bit of extra control over when money gets pulled out of my bank account.

by TheRealGoody

It’s hard to find the right system that works for you. Whether it’s scheduling out your day or starting a gym routine. But when it comes to helping to consolidate debt, this app knows exactly how to help. My wife and I were skeptical at first, but we NEEDED something to help us with all of our outstanding credit cards. The interest was WAY too high and we needed a plan to get back on track. We took a shot with this app, and now we have a way to get us back where we need to be. They are more than helpful and are there for you 24/7. They got me a lower interest rate and now I can relax knowing that we will be debt free much sooner than we had expected. I want to thank this app and all those who helped to put Tally out. It was much needed.

by Katianne76

So, this app approved a credit line for me, and without my asking....they increased it due to my diligent payments! That was awesome! A while into using Tally , my Capital One Card was no longer updating it’s balance and eventually no longer supported for the time being. But you know what? this app has been providing excellent service to me by giving me one easy payment.....and contributing to the increase of my credit score due to lowering my debt to credit ratio. It’s okay. Thank you, this app, for the service you provide. I hope the issue with Capital One is resolved, and I intend to contact them about it! I can make all my payments individually, but I like Tally! It’s cool and easy!

by Lildambro

I was stressing unbelievably about being able to pay my credit card off because I realized my interest rate was 27%! I am currently disabled and unemployed, and unfortunately don’t have the luxury of being able to rely on family and friends for help... just when I thought I’d lose more money to interest charges, I stumbled across Tally and miraculously made the cut for the credit score requirement by 9 points. I love that there was no hard credit check required to apply. My due date was 3 days away and this app paid my cards on time as promised. My debt might not be completely gone, but knowing I don’t have to worry about those insane interest rates is a relief to my debt stressors alone. I definitely recommend Tally to anyone sharing the same stress!!! Thank you, this app!

by Brownsugav

******update*******
Verification complete after a week. I really appreciate how responsive the service team is via email. I think it’s great as I don’t like calling companies And I prefer a record of conversations. My payments have processed and I’m happy with the company thus far.

Applied August 28th in the evening. I was instantly approved with a 4K line 14.9% apr. my credit score is 699, I don’t have anything bad on my record just high utilization (60%). Tally decided the best cards to pay and how much. The payments were pending and expected to clear in three days.

The next day I received an email account needs to be verified. The line was removed and payments were stopped. I sent in the requested documents that day. I am still waiting on verification (it’s been 5 days).

I think Tally and line is a great idea. And it is true it doesn’t work with some cards, but worked with my major accounts: Citi, Discover, Capital One, and Wells Fargo. I wish the verification was advised before approval. It’s not the best feeling to have a line open then removed for verification as if it was never granted in the first place. Hence, why I gave three stars. I will update when verification is complete and the results from the process.

by Tbtekle

Update
Went through a lot of processes finally they accepted me
It is perfect
As usual i saw people’s reviews and tried Tally
I have excellent credit score with 300 months payment history without late payment.
Giving sensitive personal information is not advisable for any reason unless the requester is legitimate and accredited
I gave them all my credit cards, debit and social security
With Permission to pull my credit score . And I was accepted and told $3000 credit line was issued to pay all my credits and they have already paid my credit cards.
But on the process of paying they suggest me to pay my closest due payment to make sure there is no past due date.
After three days I opened Tally and it says all cards haven’t been paid and i have to contact them. And on the email i have to submit paystubs and w2 tax return bla bla
Conclusion
Why pretending as if they paid then was not paid. does legitimate company do that ? Or this is just a catch
Then what makes it different from other loan companies or credit cards with promotional period and balance transfer with Zero APR . They can approve with out any documents just online .
Update
Went through a lot of process finally they accepted me
It is perfect

by Meedles10

I downloaded this app before and for some reason I couldn’t understand how it worked. Long story short, I got frustrated and deleted Tally .
Then some time later it crossed my mind again and I decided to give it another chance.
My man, I feel so secure. It’s almost like I’ve got a warm nice hand holding me the whole time. All my crap is being paid, they’re saving me money and really I’ve been having nothing but the best experience ever.
My credit score shot over 50 points.
My credit card usage was super high since I lost my job due to Covid. But now that I’m back on my feet I’m working on paying it all off and this app definitely is helping like a real MVP right now. Thanks guys. I 10/10 recommend, just make sure you understand the process and you Gucci.

by Oliveoyl214

this app has been such a life saver for me. I had racked up debt spread across 4 credit cards after 6 years in college. Each one had a different due date and I was struggling to figure out how to manage them. I applied for this app and was denied at first (I wasn’t making enough money as I hadn’t started a full time job yet) but I applied again once I was employed and was approved. Now instead of having to try to worry about what card was due when I just have to pay a very decent monthly payment to this app and I usually pay much more than the minimum payment but it is significantly less than when I was paying just the minimum for each card separately. It also boosted my credit score immensely even while I’m still paying off my debt to this app. Tally itself is great and easy to use, easy to set up your cards. What a great app I am so thankful for it.

by Left Hand Shame

Reading some of the negative comments is scary but everyone’s situation is different. this app works for me. I fell on hard times and had accrued high balances on my credit cards and since my interest rates were so high, I struggled so much trying to pay them down. My credit score sucked. Since I’ve downloaded this app, they issued me a great line of credit at a lower interest rate to pay off my highest balances. I don’t have to worry about due dates since this app does all of the work and now all I have to do is make one payment to this app instead of making several different payments towards all my credit cards. My credit score is literally up by 45 points! To be clear, I have no negative factors on my credit other than high credit card balances so this app’s line of credit was just the relief I needed. If you’re struggling with credit card debt, consider this app. It’s definitely a life saver.

by Santiago Velasco Jr

Tally sounds good and all, especially with its high reviews, but now I’m actually wondering whose writing these reviews for them. It starts off by making it simple, easy to use, and immediate debt relief. Unfortunately, it’s not that simple and it takes about a week to get through the process, and FYI if you don’t have a minimum 660 FICO don’t even bother downloading Tally , because they won’t help you at all. My score is around 650, no major derogatory marks, no late payments, solid credit history, my only current problem is high credit utilization because I was laid off work a few months ago, and with the holidays and all it’s been a tough quarter for me. I currently have a job, and everything is being paid on time, I just wanted a lower interests rate and to make it simpler a single payment to this app. After downloading Tally , I added on my credit cards and after all my personal information was added Tally said “we payed 3 of your cards for a total of $8,000, your total this app debt is $8k” my bills are being paid, cool right? NOT! 2-3 days later they send me an email stating nothing is actually being paid, I need to now provide work history, pay stubs, bank statements, 2 forms of ID etc....after providing all of this, it took another 3 days for the verification team to get back to me to deny me of any credit at all, so I guess it’s back to my regularly scheduled payments on my own, deleting my account and app...see ya this app!

by Wrg20

I can see this app being an amazing app but it's currently just great. There are some limitations on the cards they accept which is kind of a bummer (currently won't support my target, kohls, Home Depot) cards that have super high interest. Also my bank special credit card (USAA) isn't supported. Had an issue when I changed my passwords on my credit cards. They had to manually reset the card relink feature (known issue). I gave Tally 4 stars because I honestly believe they will figure out and add the features I've discussed. I've saved $40 the first month. Can't give you less than 3 stars if you are going to save me $500 a year. Also I would love it if they could increase my limit more than $5000.

by .elchispa.

After using this service for almost two years i literally do not have any complaints at all. For me it has worked as advertised and this service has helped me improve my credit score to 750+ which has guaranteed me the best APR possible for my credit class and has saved me a lot of money. Everytime i talk about Tally to others they don’t believe me or think im getting paid but Tally is legit and has been ever since its inception. The fluidity of Tally and the user friendly experience make everything really easy for the consumer. The customer service is amazing and quick. Keep up the good work this app. You have a customer for life.

by Midnightkay

I absolutely love Tally and would highly recommend. I had a 700 credit score but had about 12k in credit card debt with Wells Fargo. I wasn’t able to get a loan to cover the full amount but I was able to get a loan to cover 80% of it at a much much lower APR than what I have on my credit card. Plus a loan looks much better on your credit report than unsecured credit card debt. I can see how if you have several store cards and/or a low credit score this might not work for you but if you have decent credit and commonly used cards this is an amazing way to really help get you on top of debt.

by Waleros

I’m just writing this review because I think this is a great Idea and I want them to also operates in Arizona! One of the biggest university in the whole country is Arizona State University, and as you could imagine, the US school system does not really teaches you how to deal with credit cards, debts etc. Therefore, a lot of students have financial problems. If you allow this service to operates in AZ, It would be a grate service, not only for the people how lives here, but also for you as many people will actually use Tally. Please, speed up the expansion process towards Arizona! :)