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- Tala: Fast Cash Peso Loan App Vs. UnionBank Online
Tala: Fast Cash Peso Loan App vs UnionBank Online Usage & Stats
Get up to ₱25,000 cash instantly online. Low rates. Fast approvals. Apply in 5 minutes. No income proof needed. Download the app & get cash now!
👉 HOW IT WORKS
✔ Apply in 5 minutes
Download the app and answer a few questions so we can give you our best, customized offer. Only 1 valid ID is needed. No paperwork, collateral, or bank account needed.
✔ Choose your terms
Confirm your desired amount and select your target repayment date
✔ Get your cash
Send funds to your bank account, GCash, Coins.ph wallet, Tala wallet or your nearest padala center
✔ Repay easily
Pay via GCash, Coins.ph, ShopeePay, Lazada, 7-Eleven, Maya, ECPay, Cebuana Lhuillier, or M Lhuillier! Pay in full or make partial payments, anytime on or before your due date
✔ Borrow again
After repaying, answer a few short questions to receive your next round of funds
👉 WHO CAN APPLY?
✔ Any resident citizen of the Philippines and 18+ years old
✔ Has at least 1 valid ID and a mobile number
👉 KEY TALA FEATURES
✔ ULTIMATE CONTROL
• You choose your repayment date
• If your plans change, the cost of your line of credit will automatically adjust
✔ NO HIDDEN FEES
• Service fees as low as 0.43% per day
• Processing fee of 3.99% based on the borrowed amount
• All fees are collected on your chosen repayment date
• Get the full amount; no surprises
• Only pay for the days you need
✔ CONTINUOUS ACCESS TO FUNDS
• Apply only once and get continuous access to borrow up to your approved credit limit (subject to terms and conditions)
✔ FAST LIMIT GROWTH
• Get limits up to ₱25,000
• Most customers can double their limit in just months with on-time repayment
✔ SECURE
• Tala secures your personal information with SSL encryption
• We treat all customers with respect, even if you are late on repayment
✔ REWARDING
• Earn ₱200 off the next time you borrow when you refer friends to Tala!*
Unlike other traditional online loan or cash loan apps, Tala is not a loan app but an enhanced credit experience with continuous always-on credit available to users with a good payment history.
PERSONAL CREDIT LINE TERMS
• Credit limit amounts: ₱1,000 to ₱25,000
• Processing fee of 3.99% of borrowed amount
• Daily service fee is charged on the amount of credit you borrow from 0.43-0.5% per day
• Late fee is equal to 5% of outstanding credit balance
• Monthly EIR: 14.86-15.00%
• Maximum Annual Percentage Rate (APR): 182.5%
• Applicable Tax (DST & GRT): N/A
Always study the terms and conditions and the disclosure statements before proceeding with any transaction
PRODUCT ENHANCEMENTS
We always work towards making our products better for our users. If you see offerings that differ from what is described above please don’t hesitate to contact us
PRIVACY & PERMISSIONS
We will never disclose any personal information with anyone that is not you without your permission, or sell your data to third parties
CONTACT
Email: support@tala.ph
Website: tala.ph
Tala is operated by Tala Financing Philippines Inc., a licensed financing company and a registered operator of payment system (SEC Registration No.: CS201710582; TIN: 009-614-758; Certificate of Authority No.: 1132; OPS Registration No.: OPSCOR-2023-10)
* Referral terms & conditions: tala.ph/referrals
DISCLAIMER
Tala is not a cash loan app, money lending app or an online loan app. We provide continuous cash access to consumers in the form of a personal credit line. Tala is not associated with loan apps in the Philippines such as Cashalo, OLP, Home credit, Juanhand, Robocash, Peso loan, Pautang cash loan, Moneycat, Pesoq, Moca Moca, Billease, Digido, Utang loans, gcash, cashme, peramoo, mabilis cash, quickla, palawanpay, pesoredee, madaloan or maypera.
- Google Play Store
- Free
- Finance
Store Rank
- -
This is more than just another banking app. This puts your bank in the palm of your hand. You don’t have to put your life on hold, when you can bank securely whenever you want to, from wherever you want. Get started by opening an account in-app, without ever having to step into a branch. Easily manage your accounts, your cards, transfer funds, pay your bills and more, with just the tap of your finger.
Open an account
+ First Philippine bank that enables customers to open accounts through the app.
+ No need to visit the branch.
+ Choose between Personal Savings Account, PlayEveryday, Savings+, Lazada or GetGo.
+ Get a Visa debit card delivered to your home/office.
+ Immediately get a Lazada Virtual Debit card for online shopping.
Deposit checks 24x7
+ UnionBank checks clears after two hours – even during weekends and holidays.
+ Other bank's checks, follows industry cut-off and clearing hours.
Securely manage your accounts
+ View all your accounts and credit card balances in one place.
+ Real-time monitoring of your savings, checking or debit/ATM card activities.
+ View your credit card spend, points and statements.
+ Lock/unlock, set limits and transactions controls on your Visa credit cards.
+ Keep tabs on your loan repayments.
+ Secured access enabled by OTP and biometrics.
+ Self-service password reset and profile unblocking.
+ Track your rank, view your points and access the leaderboards with PlayEveryday.
+ Create Goals and start saving up for that investment, emergency fund, or whichever you aspire to achieve.
Easily Transfer Funds and Pay Bills
+ Transfer funds to anyone, to any bank, any time, without any enrolment or going to the branch.
+ Real-time crediting for transfers between your accounts or other UnionBank accounts.
+ Transfer to anyone for free with PESONet. Same or next business day crediting.
+ Transfer up to Php 50,000.00 to anyone with InstaPay. Real-time crediting for only PHP10.
+ Transfer your US Dollars to other local banks for only USD1! Made possible through PDDTS.
+ Pay your utility, phone, rent, school, and more. No need to enroll billers for payment.
+ Save accounts you frequently transfer to and bills you regularly pay.
+ Schedule recurring transfers and bills payments. No need to worry about due dates.
+ Send money to our partner Remittance Centers – Palawan Express, Cebuana Lhuillier, LBC & PeraHub.
Request for Payments or Split Bills
+ Send payment requests to another UnionBank Online user with just their mobile number. No more sharing of account numbers.
+ Split bills with your friends on UnionBank Online. No more worksheets to compute who owes who and how much.
+ Generate your own QR code and have your friends scan the QR to pay.
Schedule branch visit
+ Get ahead of the queue by scheduling your branch visit in the app.
+ Transact without any forms or signatures. Put all your transaction info on your scheduled visit.
+ Find the closest branch or ATM with the built-in locator.
Other Features
+ Activate your new credit card.
+ Redeem your Credit Card points.
+ Check for promos and discounts in our Voucher Wallet
+ Do USD/PHP conversion and view real-time FX rates.
Check our web version: https://online.unionbankph.com
2018 Best Retail Mobile Banking Experience by The Asset Magazine
2018 Online Banking Initiative of the Year by Asian Banking and Finance
2018 Best Technology Implementation - Front End by Retail Banker International (Highly Commended).
UnionBank of the Philippines is regulated by the Bangko Sentral ng Pilipinas. For inquiries and comments, contact our Customer Service at customer.service@unionbankph.com or (+632) 841-8600. Member: PDIC. Maximum deposit insurance for each depositor: P500,000.
- Google Play Store
- Free
- Finance
Store Rank
- -
Tala: Fast Cash Peso Loan App vs. UnionBank Online ranking comparison
Compare Tala: Fast Cash Peso Loan App ranking trend in the past 28 days vs. UnionBank Online
Tala: Fast Cash Peso Loan App#5,395
UnionBank Online#2,172
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Tala: Fast Cash Peso Loan App vs. UnionBank Online ranking by country comparison
Compare Tala: Fast Cash Peso Loan App ranking trend in the past 28 days vs. UnionBank Online
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Tala: Fast Cash Peso Loan App VS.
UnionBank Online
November 30, 2024