# Tally: Pay Off Debt Faster — user reviews > 55 indexed App Store user reviews of Tally by Tally Technologies, Inc., rated 4.49/5 from 19,828 ratings. - Source: https://appshunter.io/ios/app/tally-pay-off-debt-faster/id1080856103/reviews - App overview in markdown: https://appshunter.io/ios/app/tally-pay-off-debt-faster/id1080856103.md - Rating breakdown: 5★ 16,095 · 4★ 1,200 · 3★ 492 · 2★ 268 · 1★ 1,773 ## 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 ## Newest reviews (16 of 55) ### 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! ### 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. ### 2/5 — Sounds like a great idea *2022-09-09, version 5.42.0* Sounds like a great idea but was denied for only being 3 credits away from having the qualified credit score. I know I wasn’t denied for other reasons because I have never been late on a payment but I’m drowning in the high APR and whenever I make a payment it pretty much takes me back to where I was the previous month with interest. They want to help you pay off your debt and save on APR but how do they do that if you have to have a certain credit score. I’m drowning myself in high APR and would have loved the help but I don’t understand why you need a perfect score when your obviously struggling to even get a perfect credit score in the first place. Doesn’t make any sense to me. If you have that perfect of a credit score to be able to qualify for tally then you don’t really need to be using tally because you seem to already be able to pay off your cards pretty well already. Tally needs to help the ones who are obviously struggling and they obviously know whose struggling. **Developer response:** Hello! We're sorry to hear that and we would love to take a look at the issue. Please reach out to our customer support team at support@meettally.com. ### 3/5 — Great idea except after inputting all your info. They hold your account *2022-02-18, version 5.23.0* They give you an approval but after you’re all excited and everything ready to get started they hold your account until you sent three months of w-2s, bank statements, Proof of all income and much much more! they will not release your account until you give all this information. Even if 2020 your business was not up and running they want all proof every last document before they release your account and after submitting and attaching all your credit cards and banks still waiting for them to release the hold I will update later. ### 1/5 — Terrible experience so far *2021-12-31, version 5.19.1* So I download Tally thinking I’ll be paying about the same per month as I was when just paying two different credit cards. I thought, cool I’ll pay the same amount but at a lower APR and therefore pay them off quicker. I was VERY wrong and wish I looked into the fine print more…I now have debt on both credit cards still, owe Tally a ridiculous amount of money per month and am still not sure how my cards are actually getting paid off other than Tally saying the minimum payment is about double what I was previously paying. Like, AWESOME if I wanted to or could afford to be paying that much per month without Tally being involved I’d be lowering my debt just the same 😂 10/10 do NOT recommend. ### 2/5 — Not worth it *2021-12-05, version 5.18.0* I had 2 cards with less than $2000 combined. I say it’s not worth it because right off the bat they charge you $300. I could’ve just paid $300 towards my original debt. Then as I was making my payments I realized that I wasn’t covering as much ground as I was when I didn’t have Tally. Can this app work for some and not others? Sure. As with everything in life it’s trial and error. Also my fault with this one, but once your cards are linked any incurring charges you put on those cards are paid by Tally and adds onto the credit line they have for you. Yeah I know.. that’s the whole premise but I thought it was worth reiterating. Admittedly I downloaded it because of Tiktok/YouTube. Their app is ok. Pretty intuitive and straightforward. ### 4/5 — Sanity Saver *2021-12-03, version 5.18.0* I love that I don’t have to worry about my due dates; I just keep some money in the bank and Tally does the rest. (Not all of my accounts have autopay, so this is really handy.) Tally also allows you to choose a pay down strategy, select which cards Tally pays and which you manage yourself, and opt-in to an extra weekly payment on one of your accounts. My only real gripe with the app is that your weekly extra doesn’t allow you to choose what day the payment is made; I understand the appeal of “Tally Tuesday” as a catchy name, but as someone who gets paid weekly on Wednesdays, “Tally 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. ### 1/5 — Unable to use the service. *2021-11-30, version 5.17.0* 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. ### 1/5 — Frustrating app *2021-10-24, version 5.12.0* Setting the cards up was agonizing - I went through the entire process only to discover it hadn’t captured most of the cards I’d added. Somehow, although I’m trying to re-add these cards, it takes me to this page where it tells me “all the savings” that ai can have…on the basis of the few cards it had retained. Then, of course, I cannot simply back out of it to go add more, it “forces” me to continue to their tiered plans they have available. I try closing the app and reopening it (SEVERAL times) to try adding more cards. I reset my password, hoping that forces the app to allow me access to the point where I can add my cards, it takes me right back to this tiered pricing page with “all my savings” based on 2 cards I had in there. I try to switch to the desktop. None of my cards are recognized as valid. I give up. Just a terrible experience with this app. ### 2/5 — Not sure…questionable practices *2021-07-25, version 4.53.0* Went through the process was accepted but was never sent a statement or minimum payment amount, they want you to accept the terms and a statement that includes your minimum payment would be sent in a few weeks. Seems sketchy so I canceled before the end of business day but apparently i still owe the $300 fee for absolutely nothing! I cancelled literally 2 hours later yet my account still shows i owe their $300 fee. Not a very good business practice and I couldn’t find anywhere in my agreement where it said I still owed. I would be willing to re establish my account if I could see some sort of minimum payment info BEFORE signing on the dotted line. ### 1/5 — They will WRECK your credit. *2021-05-19, version 4.43.0* Tally 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 Tally. 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 “tally line” is NOT any better than my 22% capital one APR. Filing complaints with BBB and anywhere else I can make it known. **Developer response:** Hi there. We are so sorry to hear that we did not meet your expectations. Please give us the opportunity to make this right by you. A Team member would be happy to speak to you about your account and review it together. Please send an email to support@meettally.com. We look forward to speaking with you! ### 2/5 — Not a great app/ not a great solution *2021-05-12, version 4.43.0* The updated app freezes occasionally, making it impossible to make a payment without deleting and reinstalling the app. There’s also no way (if there is, it’s nearly impossible to find) to make a payment on a web version, so you’re pretty much stuck. Additionally, the rates they offer are almost imperceptible from those offered by regular credit card companies. I think I saved maybe .2 %? Not a good deal, and ends up being just another payment to manage. On top of that, I had to call them to remove a card from my account, which was super annoying and doesn’t put control of my finances into my hands. ### 2/5 — All great except the constant de-linking *2021-05-01, version 4.41.0* I love the idea of this app 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 the app and that I have to relink. The app 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. ### 1/5 — Zero response *2020-06-11, version 4.2.1* The app’s delay with keeping up with card payments is so slow that it will double charge you for one card even if you’ve already placed a card payment earlier in the month. Also if you set the app to not use tally credit the app will disregard that and charge you on the credit anyways. There is no way to close the account from the app and the developers DON’T RESPOND TO EMAILS SENT TO THEM. I’ve been trying to close the account for weeks because I’m tired of being double charged when I’m paying my credit cards on time. Don’t download the app unless you just want a pseudo credit card used to only pay off your other credit cards. You’re better off just creating a list of cards and keeping track of your payments and due dates yourself. ### 2/5 — Beware *2020-05-14, version 4.2.0* Honestly, this app seemed like a good idea but after a while it kept changing the payment and it seemed to vary immensely. After I didn’t like the way the payment was calculated I decided to just pay off the balance and not have them pay my bills anymore. However, it seemed like my balance never decreased. I started screenshotting my balance and realized over two months, paying $120, my balance had only decreased by about $20. This app is not worth it and seems pretty scammy. In the app, they don’t even show how they’re calculating the minimum payment or how much interest is being charged. A business that is dealing this closely with my financial information should be a lot more transparent. So just be cautious. ### 1/5 — Terrible Experience *2020-04-16, version 4.1.0* For several days now, the app 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 the app. 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. **Developer response:** Hi there, we're sorry to hear of your recent experience. Tally experienced a system outage momentarily on April 15, 2020. All functionality has since been restored. We'd love to also address your other concerns. Please feel free to message me directly at support@meettally.com and add Jay to the subject line. I will personally review your account and communications. - Jay from The Tally Team ## Most critical reviews (10 lowest-rated) ### 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. ### 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. ### 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. ### 1/5 — Not enough info in the app or online *2022-08-12, version 5.38.1* The app and website don’t provide enough instruction on how to use the app and credit line. I am furious because the info provided lead me to believe that only one of my credit cards was compatible with the app and that that was the only card I could use my credit line with. WRONG. Every card you enter works with the credit line. I was also lead to believe that if a card had 0% interest (or lower APR than Tally) and a promotional balance that the app would not use the credit line to pay off that card. WRONG. I added a credit card with a $1200 balance that had 0% APR and a set $40/month payment plan for two more years. I obviously did not want the credit line to pay off this card, I just wanted to keep track of all of my cards in the app, which I was lead to believe was also a money management app. Imagine my surprise and fury when the credit line with 26% interest paid off my 0% interest credit card!! What a scam! On top of all of that, the commercials and app convinced me I would have a credit line that completely paid off my high interest cards and it would have lower APR. Nope. I got $2k and 26% APR. My credit score is right around the 700 mark, which is considered ‘good’, but I guess Tally considers it bad. Conclusion: pay attention to what cards you add and if your credit isn’t perfect don’t expect much of a credit line. **Developer response:** Hello! We apologize for the difficulties you experienced while registering with us! Our team would like to chat with you with regard to your experience with us. Can you provide us with more details in a message to support@meettally.com so that we can reach out? ### 1/5 — Using for a while now. Updated review *2022-02-05, version 5.22.0* 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 TALLY. 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. **Developer response:** Hi there! We are so sorry for the frustration that you have experienced with our app! We would love the opportunity to review your account and answer any questions you may have. Please send a message to support@meettally.com and our team would be happy to help! ### 1/5 — Beware *2022-01-31, version 5.22.0* I downloaded the app with high expectations…sorry I didn’t read the reviews first….I became a little scepticle for not having done the research so I wanted to take my cards out of the app. Low and behold I found out that you cannot do this from the app. So when I finally found a phone number and called about the account…besides the fact that they push the $100 deal on you for a $5.95 fee…you get pushed around from rude person to rude person and then try to get you to verify info you never gave in the first place. Customer service is key and when someone feels uncomfortable with your service..yelling at them won’t make it easier. So my review is based on the unprofessional people they have working for them. I actually had to call my bank and get new cards. SHAME ON YOUR BAD SERVICE! ## Most praised reviews (10 highest-rated) ### 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. ### 5/5 — I can breathe easier *2022-04-02, version 5.26.1* Reading some of the negative comments is scary but everyone’s situation is different. Tally 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 Tally, 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 Tally does all of the work and now all I have to do is make one payment to Tally 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 Tally’s line of credit was just the relief I needed. If you’re struggling with credit card debt, consider Tally. It’s definitely a life saver. **Developer response:** Hi there! Thanks so much for the feedback and 5 star review! We are thrilled to hear about your positive experience. If you come across any questions, please do not hesitate to reach back out. ### 5/5 — Alright, listen to me. It’s worth it. *2020-12-17, version 4.23.0* I downloaded tally before and for some reason I couldn’t understand how it worked. Long story short, I got frustrated and deleted the app. 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 tally 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. ### 5/5 — ABSOLUTELY BOOSTED MY CREDIT SCORE!! *2020-04-10, version 4.1.0* I honestly don’t know how I would be able to handle my finances if Tally didn’t help me out. I started with them since the very beginning and always had difficulty paying off my cards but Tally is amazing by helping pay off those cards and I only have to do the min for my cards and pay Tally instead. This boost my credit score from 580 to now 760!! I truly am so grateful to have the help of Tally and they also reply back so quickly if I have any questions. Absolutely recommend it for those who are struggling with their credit score and paying off cards! Thank you Tally 👌 ### 5/5 — Lifesaver *2020-02-13, version 3.10.0* Let me start off by saying this Tally should only be used if you’ve racked up cards and carry a balance. I have been in credit card debt for awhile and even after doubling my income these cards have been a nightmare to pay down. My interest alone tops 1k every month. Tally has made paying the cards easier and is saving me tons just in interest. Not to mention once the credit line paid off a chunk it shot my credit score up so I can take advantage of better rates. It will be a long haul but after doing the math I’ll be debt free over 2 years sooner then what was going to be possible. ### 5/5 — Crazy About Tally! *2019-12-18, version 3.7.0* So, Tally 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 the app, my Capital One Card was no longer updating it’s balance and eventually no longer supported for the time being. But you know what? Tally 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, Tally, 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 this app! It’s cool and easy! ### 5/5 — This is beyond amazing *2019-12-05, version 3.5.3* 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 this app to others they don’t believe me or think im getting paid but this app is legit and has been ever since its inception. The fluidity of the app and the user friendly experience make everything really easy for the consumer. The customer service is amazing and quick. Keep up the good work Tally. You have a customer for life. ### 5/5 — Scam or legit? *2019-11-27, version 3.5.3* Update Went through a lot of processes finally they accepted me It is perfect As usual i saw people’s reviews and tried this app 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 the app 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 **Developer response:** Hi, thanks so much for reaching out to us and for sharing your experience. Our verification team does a routine review of accounts, it looks like they needed some additional information before fully activating your account. If you have any additional questions about why we need to verify your information, please feel free to email support@meettally.com ### 5/5 — Love this highly recommend *2019-07-17, version 3.2.0* I absolutely love this app 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. ### 5/5 — Life saver *2019-07-10, version 3.1.0* 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 this app 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 Tally 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 this app to anyone sharing the same stress!!! Thank you, Tally! --- *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.*