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660+ FICO Score? Tally users save on average $5,300 in credit cards interest and we guarantee no late fees. Download Tally for free.

Tally makes it simple to stay on top of your credit cards. You scan your cards. We give you a line of credit at a low APR and help manage your payments.

Tally monitors your balances, interest rates and payment due dates for each of your credit cards so you don’t have to. Tally separates the burden of credit cards from the benefits and saves you money in two ways. First, Tally gives you a line of credit with a lower interest rate and helps you find savings on interest to pay down your credit card debt faster. Second, Tally’s late fee protection ensures you’ll never miss a credit card payment again.

No late fees. No gimmicks. Just an easier way to pay off your debt faster and a smarter way to manage your credit cards.

Tally combines your credit cards into one simple-to-use app. Tally was built to be secure from the start, so you can rest assured that your data is safe.

Think of Tally like a personal financial assistant, without the cost of a personal financial assistant. Tally always makes the right payment to the right card at the right time.

** The Tally app and servicing is only available in English. If there is any discrepancy between translations, the English version will prevail over any other translation

** Tally supports most cards from American Express, Bank of America, Barclays, Capital One, Chase, Citibank, Discover, US Bank, Wells Fargo, Best Buy, Target, Amazon, Home Depot, Sears, Walmart, Macy's, American Eagle, TJMaxx, Fifth Third Bank and First Bankcard, and we’re working to add more.

** We do not support all charge cards, retail cards or store cards.

** We’re currently available in Arkansas, California, Colorado, Connecticut, Washington DC, Florida, Illinois, Idaho, Iowa, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Mexico, New Jersey, New York, Ohio, Oregon, Oklahoma, Pennsylvania, South Carolina, South Dakota, Texas, Utah, Washington and Wisconsin. We’re working to expand to more states.

** Tally Technologies, Inc. (NMLS # 1492782) https://nmlsconsumeraccess.org/


Tally is the easiest way to pay off debt faster. To get the benefits of Tally, you need to be approved for and accept a Tally line of credit. Your Tally line of credit will automatically kick in if we can reduce your interest.

Depending on your credit history, your APR (which is the same as your interest rate) will be between 7.9% - 19.9% per year. And similar to credit card APRs, it will vary with the market based on the Prime Rate. This information is accurate as of August 2018.


With Tally, you can save money with a lower APR on your Tally line of credit. Tally helps saves you money on interest so you can use your savings on interest to pay down your credit card debt faster. Tally’s late fee protection also ensures you’ll never miss a credit card payment again.


Seriously. With Tally, you get late fee protection, not just reminders like other services. Whenever you’re in danger of getting hit with a late fee, your Tally line of credit kicks in and makes the minimum payment. As long as your account is in good standing, you’ll never worry about late fees again. Guaranteed.


Tally doesn’t charge any fees. Period. No annual fees, no origination fees, no prepayment fees, no balance transfer fees, no late fees, no over-the-limit fees. Nothing. Because we hate hidden fees, too.


With one intuitive app to keep track of your cards, you no longer need to manage your accounts across multiple sites. Keep using your cards and getting the perks and rewards.


Tally makes money on interest, just like a bank. The difference is we think unnecessarily high APRs are unfair. So, we only make money when we can save you money.

What’s New

Version 3.5.3

When you do maintenance, we do maintenance.

Every so often, you may need to relink your credit cards to Tally. That’s how we make sure your account is up to date. We’ve improved this process so you can now update your cards at the click of a button.

Ratings and Reviews

4.5 out of 5
9.9K Ratings

9.9K Ratings

PAC rob ,

Tally is a interest saver and stress reliever.

Tally has simplified my balancing 5 credit cards making sure everything is paid off I never missed a payment in my life yet I needed help organizing my credit card debt and being able to pay it down now since i got Tally all I do is weekly pay a set amount I budgeted for my debt weekly so on pay day I wake up my check from work is already deposited so I immediately pay tally $250 every week I let the app decide how to pay my debt off and I get a weekly report of how much saved interest I do have to run #s think about due payments or anything just pay weekly and save I’m not a bot or paid person lol you don’t have to pay as much as me in just trying to pay my debt down quick so I do the maximum I can budget from my weekly pay but if you budget yourself pay what you can as much as you can just give it to Tally and relieve your mental stress I love it I still got long ways to go on my debt but I’m no longer stressed like I use to be...

Revredrusty ,

What you need to know about this service

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 this app sounds great and I would love to have just one payment and all cards paid off and just pay tally at a lower interest rate. Realistically though for me it sounds like tally 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

Developer Response ,

Hi Revredrusty,

Thanks for your feedback. We wanted to clear up a few things that you mentioned.

1. The reason we can’t be specific about paying your card balances before you sign up for Tally is that we can’t see your card information! Tally is able to help different users in vastly different ways. Once you get through enough of the sign-up process and if you are eligible for Tally, we’ll be able to see your cards and walk you through the payments we’d plan to make to them if you did decide to activate with us.

2. Our system takes into consideration multiple factors when determining eligibility and interest rates. We hope to be able to offer an interest rate that can save you money on interest, in order to help you feel less stressed financially and help pay down your debt faster.

The Tally Team

Santiago Velasco Jr ,


This app 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 the app, 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 Tally. After downloading the app, I added on my credit cards and after all my personal information was added the app said “we payed 3 of your cards for a total of $8,000, your total tally 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 Tally!


Tally Technologies, Inc.
123.6 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.



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  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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