# Tally: Pay Off Debt Faster — Credit Card Manager & Planner > Automated debt manager for faster credit card payoff and interest savings. (iPhone/iPad app by Tally Technologies, Inc..) - Source: https://appshunter.io/ios/app/tally-pay-off-debt-faster/id1080856103 (this page in markdown: same URL + `.md`) - Developer: [Tally Technologies, Inc.](https://appshunter.io/developer/1080856102) - Category: Finance, Productivity - Price: Free - Rating: 4.49/5 from 19,828 App Store ratings · 55 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 126 MB - Languages: English - Released: 2017-02-16 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/tally-pay-off-debt-faster/id1080856103/reviews.md ## What is Tally? Tally is the first automated debt manager. Tally makes it easier to save money, manage credit cards and pay down balances faster. Tally’s lower-interest credit line has helped thousands of people consolidate credit card payments into a single bill and save on interest and late fees! Sign up for Tally and quickly see if you’re eligible for a credit line. Our credit check won’t impact your credit score. Tally is available in most states except MT, NV, and WV. Generally, you need a FICO Score of 680 or higher to qualify for a credit line. (Scroll down to see which credit cards Tally supports.) Here’s how it works: 1. Download Tally Within minutes, Tally can help you start the path to being debt-free, and it won’t hurt your credit score. 2. Find your savings Once you qualify, Tally gives you a line of credit with a low annual percentage rate (APR). Tally then uses the new line of credit to pay your credit cards every month. The low APR helps save you money on interest. (Scroll down for important disclosures about what Tally charges.) 3. Organize your cards Manage all your credit cards in one simple app! Tally keeps track of the balances, interest rates and due dates for each card. That’s how Tally makes the right payment to the right card at the right time. All you have to do is make one monthly payment to Tally. 4. Say goodbye to late fees Tally’s late fee protection gives you the peace of mind of autopay without the fear of overdraft. As long as you’re in good standing with Tally, you’ll avoid the hassle of late fees. 5. Be debt-free faster That’s it! Tally helps separate the burden of credit cards from the benefits. Keep using your credit cards for the rewards and let Tally handle the hard work. No tricks. Just a smarter way to manage your cards and a faster way to pay your balances. FREQUENTLY ASKED QUESTIONS What does Tally charge? To get the benefits of Tally, you must qualify for and accept a Tally line of credit. Depending on your credit history, your APR will be between 12.9% and 29.9% per year. The APR will vary with the market based on the Prime Rate. Some credit lines are subject to an annual fee, which will be explained with your offer if you qualify. How does Tally estimate my savings? To calculate your savings we look at: 1) an average-weighted APR based on your initial eligible credit card balances and APR’s; 2) an average monthly payment to Tally of 3% of your eligible balances; and 3) an average monthly spend of 0.8% of your eligible credit card balances. We exclude credit cards with APR’s lower than the Tally APR, since Tally doesn’t make payments to those cards. For the Express member savings estimate, we assume you receive the Express discount every month. How does Tally save me money? You can save money with a lower APR on your Tally line of credit. That means you’re saving money on credit card interest each month. Tally’s late fee protection helps you avoid missed payments. How does Tally make money? Tally makes money through interest on your Tally line of credit, but only if Tally can help save you money. Tally also makes money on membership fees (annual or monthly fee) according to the Tally service you are eligible for. MORE DETAILS The Tally app and servicing is only available in English. If there is any discrepancy between translations, the English version prevails over other translations. Tally supports most cards from American Express, Bank of America, Barclays, Capital One, Chase, Citibank, Discover, US Bank and Wells Fargo, as well as cards from Amazon, American Eagle, Macy’s, Sears, TJ Maxx and Walmart. Tally Technologies, Inc. (NMLS # 1492782 NMLS Consumer Access , SC License , MO License). Lines of credit issued by Cross River Bank, Member FDIC, or Tally Technologies, Inc. (“Tally”), as noted in your line of credit agreement. Lines of credit not available in all states. ## Key features - Automated debt management - Consolidate credit card payments - Lower-interest credit line - Avoid late fees - Track balances and due dates - Single monthly payment ## What do users think of Tally? Overall sentiment: negative **Pros** - 🚀 Consolidates debt payments - 🔒 Improves credit score - 👍 Easy to use app - 💡 Helpful for those struggling with debt **Cons** - 🐛 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 **Commonly reported bugs** - Inconsistent card payment processing - Accounts being closed unexpectedly **Most requested features** - Option to manually select payment amounts - Real-time notifications for transactions - In-app email change functionality ## Recent user reviews (10 of 55) All indexed reviews: https://appshunter.io/ios/app/tally-pay-off-debt-faster/id1080856103/reviews.md ### 1/5 — Honestly a scam *2024-01-07* 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. **Developer response:** 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. ### 1/5 — It’s a scam, stay away *2023-12-24* 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. **Developer response:** 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. ### 1/5 — Avoid this app *2023-11-14* 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. **Developer response:** 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. ### 3/5 — Decent but needs additional tweaks. *2023-07-15* 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. **Developer response:** 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! ### 1/5 — Not so fast *2023-03-30* 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 **Developer response:** 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. ### 2/5 — great concept but not worth it *2023-01-06, version 5.57.0* i thought that this was a great way to consolidate my credit cards and have one payment. after having tally for two years, i would recommend seeking a loan elsewhere. my APR goes up every day if not every month. I pay roughly $200-$250 a month, and get charged half of that in interest. as you can imagine, each payment i make basically only pays off $100. it feels like i'm just going backwards and it's frustrating. they also don't have a hardship program. i explained that i was out of work due to surgery and asked if there was something that could help me for the next month or two. and the representative didn't even empathize he straight up just said "no." anyways i feel like tally is marketed as a stress free, debt free solution but i feel more into debt after applying for tally. i would suggest to just do your best to try to pay off your cards individually. you'd pay off less doing it on your own. if i could go back i wouldn't have applied for tally. ### 1/5 — Terrible service *2022-11-25, version 5.53.0* I started on Tally because i needed help getting a few things paid off. When i put all of my cards into the system, it sent me a payment for one but not the others and their system still wont recognize the card that it paid on so instead of having one fast and easy payment that i “qualified for” it just added another payment that i have to add to my monthly bills for no reason because they didnt even pay off the first card. When i called customer support, they pretty much told me i was out of muck because they didnt “support my banks” even though they had made a payment to a card. So now, im reminded every month on the 1st when i spend my $41 minimum payment that i absolutely can’t stand Tally and will never use it again. ### 1/5 — HORRIBLE!!!! *2022-11-16, version 5.52.0* Will only pay off the cards that they accept does not pay off cards based off of APR or anything that they say. Automatically pays stuff without authorization. Making my dent and my situation way worse than it already was! Paying on credit cards I had already paid on. Not giving any direction. Just asking me to plug in my cards, then they auto paid whatever credit cards they worked with and left the rest! Didn’t help at all! The money they “lent” went to all the worst places! HORRIBLE COMPANY! HORRIBLE CUSTOMER SERVICE! Reported to BBB. Everything needs to be done to shut these money grabbers down! Offering APR just slightly below my credit cards. Unbelievable! NO HELP FROM CUSTOMER SERVICE! NO ONE KNEW WHAT WAS GOING ON, WHY IT WAS GOING ON, NO ANSWERS! NO HELP! MADE MY SITUATION WORSE!!!! Recommend Self Credit Builder and just using a personal loan from your bank. Your bank can help you better then this horrible company! And they’ll give you better APR! ### 1/5 — Don’t fall for it *2022-11-14, version 5.51.0* Decided to try this app because I figured why not. I’m relatively responsible and have been trying to be more active in my financial journey but still have struggled with some lingering credit card debt and thought this might be the little help I needed to help me power through. Worst decision I’ve made. Not only is there little to know explanation on how Tally actually works before you commit, the amount you are required to pay (including minimum) fluctuates every month so there’s no way to budget for it. PLUS it adds more interest onto the interest you are already paying on your cards if you continue to use them. Basically unless you plan to not use the credit cards at all until they (and tally) are paid in full, this is a complete scam. You are much better off getting a personal loan with fixed terms and saving yourself the headache. ### 5/5 — I mean, sure… *2022-10-28, version 5.49.1* It swift does make you feel like you have different refit card debts when you see what you owe on here as well as what you still owe on your CC, but I will admit that that is MY doing because I keep using the credit card! One amazingly positive thing I want to say is that since beginning with Tally, my credit score has gone from Okay (or maybe less) to GOOD! It’s great. Yes, my debt is still there and it will be as long as I keep using my cc and keep paying the lowest possible payments to Tally. So take my word for it, if you are able to pay the monthly payments consistently, you will eventually have your credit score go up. Do it, if you indeed continue to pay the suggested payments. ## Frequently asked questions about Tally ### 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. ## Version history (last 5 releases) ### 6.26.0 — 2024-08-16 We've made a few bug fixes and improvements to make managing your debt even easier. ### 6.25.0 — 2024-07-09 We've made a few bug fixes and improvements to make managing your debt even easier. ### 6.24.0 — 2024-06-27 We've made a few bug fixes and improvements to make managing your debt even easier. ### 6.23.0 — 2024-06-18 We've made a few bug fixes and improvements to make managing your debt even easier. ### 6.22.0 — 2024-06-10 We've made a few bug fixes and improvements to make managing your debt even easier. ## Apps similar to Tally | App | Rating | Price | Category | | --- | --- | --- | --- | | [Deferit: Pay bills in 4](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561) | 4.8 (23,451) | Free | Finance | | [CashNetUSA](https://appshunter.io/ios/app/cashnetusa/id645682433) | 4.8 (34,634) | Free | Finance | | [SeedFi](https://appshunter.io/ios/app/seedfi/id1543834789) | 4.4 (1,128) | Free | Finance | | [Grain: The Digital Credit Card](https://appshunter.io/ios/app/grain-the-digital-credit-card/id1410559121) | 4.5 (36,269) | Free | Finance | | [Petal Card](https://appshunter.io/ios/app/petal-card/id1400353064) | 4.7 (10,649) | Free | Finance | | [Lenme: Investing and Borrowing](https://appshunter.io/ios/app/lenme-investing-and-borrowing/id1409169287) | 4.4 (73,242) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*