Tally

I unfortunately Had to give them 1 star, they deserve zero. It’s a bait and switch business. The idea is fantastic… Paying debt down and not having to worry about late payments etc. I understand the concept. However, the reality of my experience is a text book Bait and Switch. I found them while researching online as a found a few positive reviews. I spoke with them, applied and was given a credit amount with a low interest rate. Set everything up and like a former reviewer everything was working out well. Then, I noticed things stopped moving in a positive direction.

If I could give them negative Stars I would. Do not...I repeat DO NOT sign up with this company. I created an account to see what this company was all about and realized from other reviews that this company is a joke. Come to find out the reviews were not wrong unfortunately. Worst customer service ever. And borderline fraud company. If this review helps just one person not get caught up w/ this company I will feel vindicated from dealing w/ this ** company.

Zero stars! Do not fall for their advertising. They charge you for a “membership” where you get a “reduced” APR. It sounds slightly okay until you realize, the membership payments are broken into monthly installments, AND you pay interest on the membership costs. Not only that, but their monthly payment is much higher than if you stayed with the credit card company. Adding it up, you pay more, and you get nothing - they do not report regularly to credit bureaus - only if you are in arrears. Paying them back as soon as possible to close out my loan with them. They are overly complicated, higher interest charges, and you end up paying them a lot. They are a payday loan wrapped in a shiny app! Avoid them!!

I am extremely disappointed with the customer service or lack thereof. Via email they sound nice, but on the phone the guy I spoke with was extremely rude and not willing to help my situation at all. They are very misleading and charge very high interest rates. I didn't give them permission to give one of my old credit cards a $5,000 loan which is what I am trying to pay off now at an 18% interest rate. I lost my business due to Covid and reached out to all of my creditors and everyone, except tally, was willing to work with me so I didn't have to default. The guy at Tally pretty much just told me that I would have to default. Learning experience from my end that these types of predatory lenders seem like you are in their best interest when that is definitely not the case. I 100% agree with the other person that left the other review about them. Nowhere to write reviews.

I started by transferring a high interest balance to Tally. I was promised a lower payment and after a few months I realized my balance is not moving then they raised my balance to $800 a month for a $5000 balance which is unheard of. They don’t show on your credit report and they have everything so hidden. This is a scam. People I hope you don’t make the same mistake. I paid off the whole balance and overpaid $46. Now they’re saying that goes towards interest! What interests??? When you try to write a review it’s the hardest to find them and it took me to Consumer reports.