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Tally: Pay Off Debt Faster

Tally: Pay Off Debt Faster

Credit Card Manager & Planner

20K ratings
55 reviews
With Ads
📊 Productivity
💰 Finance

Archived App

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • February 16, 2017
  • August 16, 2024

Features

Developer

Tally Technologies, Inc.
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❓5 answered
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About

This app automates debt management, helping users pay down credit card balances faster. It consolidates payments into a single bill and offers a lower-interest credit line to save on interest and avoid late fees.

✓Automated debt management
✓Consolidate credit card payments
✓Lower-interest credit line
✓Avoid late fees
✓Track balances and due dates
✓Single monthly payment
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What users say

Summarized from real user reviews of Tally. Based on 20K reviews and a 4.5/5 average, it highlights the 4 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Consolidates debt payments
  • 🔒Improves credit score
  • 👍Easy to use app
  • 💡Helpful for those struggling with debt

Negative things

  • 🐛Issues with card connectivity and payments
  • 💰Higher interest rates than expected
  • 🤔Lack of transparency in payment calculations
  • ❌Accounts closed without warning
  • 📞Poor customer service and communication
See all reviews

What's New in Tally

6.26.0

August 16, 2024

We've made a few bug fixes and improvements to make managing your debt even easier.

User reviews

Most RecentHighest RatedLowest Rated

Honestly a scam

Tally changed the terms of the agreement when they sent me an email that my credit line was no longer being funded because they lost the funding and it’s beyond their control. They decided to stop payment on my balances after I had already made a payment for that month for those balances. They just applied my payment to my credit line which has now just turned into a loan I’m paying back. This happened suddenly without any prior warning and really put me in a bad position because I had payments due in days that I was under the impression I had already paid money towards. I had to take out another loan to make my payments on time. Tally also deleted all my credit cards off the app so they aren’t even helping me track the balances all in one place as they claim. Read the fine print and don’t bother with this app if you’re already in a tight situation. They will exploit that.
I’m looking into the legality of their actions but I would not recommend giving them your business.
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BHealyumBHealyum

Response from developer

We sincerely apologize for this experience. We were working to achieve a better outcome which unfortunately was not possible. We truly appreciate you as a member of Tally and understand your disappointment. While this change is permitted by the Line of Credit Agreement you signed at account opening, it was not the outcome we hoped for. Please feel free to add your cards back to your Tally account so we can still assist in monitoring your card due dates. Please reach out to our support team so that we may support you in managing your account and determine how we can ease this transition for you.

It’s a scam, stay away

I have been with Tally for over a year, never missing a payment, still, I didn’t see my debt going down. At the end of November 2023, thousands of Tally customers received an email that they will no longer be paying off the debt, effective immediately (turns out they lost an investor).
Communication with them is terrible, they are not taking any responsibility just blame the investor - after reading a lot about the as a result, no wonder the investor pulled out.
So, this ‘debt consolidation’ company that charges $300 a year a membership to offer you a low rate, is now charging me 25%, which is higher than my normal CC.
Myself and hundreds more have been filing complaints with BBB etc, to also warn others. We will be working with a lawyer as this company is clearly in breach of financial laws (of course they will say they are innocent, seems no company these days is at fault, they are so perfect). I have been quite about a lot in this country, but enough is enough. An agreement is an agreement and that’s that.
Stay away from them and more trouble than you need in life.
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stells2013stells2013

Response from developer

We sincerely apologize for this experience. We were working to achieve a better outcome, which unfortunately was not possible. This is not based on any act or action you’ve taken but is largely a result of the current lending market. We truly appreciate you as a member of Tally and understand your disappointment. Please reach out to our support team so that we may support you in managing your account.

Avoid this app

Read carefully before even signing up, not only do you need a good credit score before even getting approved they are deceitful crooks. You put your cards in and select whether you pay or have Tally pay based off your credit line. Mine was $5000 I selected the option to pay the cards myself while they monitor them. Not only did I have to put my bank account information on here they went ahead and kept paying cards for me when I submitted a email to get a further explanation all they had to say was they don’t have the option to select that. Which is a total lie. I already went ahead and submitted a report to the Better Business Bureau about them. They’re crooks who only put you further into debt if you’re looking to get out of the hole just get a personal loan instead this company is shady and should be avoided at all cost. On a further note if you’re behind on payment they claim they’ve reach out which they don’t now they’re sending me emails stating I’m in the collection stage. Good luck since I never signed anything and my credit is shot anyway.
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csimthhycsimthhy

Response from developer

Hi there. That doesn't sound right! You would need to sign a loan agreement and accept an offer in order for Tally to make payments toward your cards. We also confirm when card payments are made and offer a deadline to cancel. Can you give us more information at support@meettally.com? We can investigate and clarify how Tally works for you in more detail.

Decent but needs additional tweaks.

The Tally financial app offers a user-friendly experience, making it convenient to link your Tally account with your bank cards. The app's interface is intuitive, allowing for easy navigation and account management. However, one drawback of the app is the absence of real-time notifications regarding Tally's intention to pay off cards from their line of credit. Instead of receiving immediate alerts, users are informed via email of the transaction. This lack of real-time notifications can be inconvenient for users who prefer to stay updated on their financial transactions. Another area where Tally falls short is its inability to provide an in-app option for users to change their email addresses. This requirement to contact Tally customer support by phone in order to update email information can be time-consuming and inconvenient. Overall, while Tally excels in ease of use and the ability to link accounts, the app could benefit from implementing real-time notifications and offering a more streamlined process for users to change their email addresses within the app.
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DmensDmens

Response from developer

Hi there! We're so happy to hear this from you. Our mission is to help our members become less stressed and better off financially. We also appreciate your feedback very much! We are always looking for ways to improve our products and services, and hope to offer new features in our app soon!

Not so fast

It was great in the beginning, when they lend you that lump sum of money, to pay down the highest interest rate, credit card, and make the payments were manageable. Then, they decided that in one tally billing cycle, it was a good idea to pay two months of one of the credit cards. This generated a payment that I was not able to afford. Not sure if this was a trap, but they set me up on a payment plan, and stopped paying my credit cards until I caught up. This continues to generate interest rates, and not the discounted one, since I am not up-to-date on my payment, because I owe them money. So they raise your interest rate because you are now at fault. I am now paying three accounts, and I owe two credit cards, plus tally, instead of making one comfortable payment to manage the 2 credit cards I enrolled. At the end of the day, it’s a form of debt consolidation and LOAN, that will only generate more debt for you, especially if you continue to spend on the credit cards. Good luck
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Dark blossomDark blossom

Response from developer

Hi there! We are terribly sorry for the frustration. Please know that only Prime Rate changes, which are influenced by the U.S. Federal Reserve, will cause your Tally APR to increase. We would love to connect with you and provide more insight into your interest rate and hopefully clarify some confusion. Send us a message anytime to support@meettally.com.

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User experience

🐞

Reported Bugs

2 issues

Inconsistent card payment processing

Bug

Accounts being closed unexpectedly

Bug
✨

Requested Features

3 requests

Option to manually select payment amounts

Feature

Real-time notifications for transactions

Feature

In-app email change functionality

Feature

FAQ

What does Tally do?

Tally is an automated debt manager that helps you pay down credit card balances faster. It consolidates your credit card payments into a single bill and offers a line of credit with a lower APR to save you money on interest and avoid late fees.

How does Tally help me save money?

Tally saves you money by providing a line of credit with a lower Annual Percentage Rate (APR) than your existing credit cards. This means you pay less interest each month. Additionally, its late fee protection feature helps you avoid costly missed payment penalties.

What are the costs associated with Tally?

To use Tally's benefits, you must qualify for and accept a Tally line of credit. The APR for this line of credit typically ranges between 12.9% and 29.9% per year, varying with the market's Prime Rate. Some credit lines may also have an annual fee, which will be disclosed if you qualify.

Who is eligible to use Tally?

Tally is available in most states, excluding MT, NV, and WV. Generally, you need a FICO Score of 680 or higher to qualify for a credit line. The app's credit check does not impact your credit score.

How does Tally manage my credit cards?

Tally organizes all your credit cards within a single app, keeping track of balances, interest rates, and due dates. It then makes the correct payment to the right card at the right time, allowing you to simply make one monthly payment to Tally.