About Tala: Access your Loan
💰 Get credit and loans from $50 to $400 USD in minutes with Tala. Loans approved with direct deposits, no proof of income or collateral needed.
Easy Funding in Simple Steps
You can qualify for larger amounts with on-time payments. Apply for your loan and get credit in just a few clicks. It's easy to get funding with Tala. Our process helps you get the loans you need. Direct deposit options. Loans without a credit history.
Download Tala and take control of your finances.
👉 Access to Money Thanks to Tala
✅ The money you need, when you need it
✅ Payment terms up to 120 days
✅ Loan increases for responsible borrowers up to $400 USD (restrictions apply)
✅ Fast loans with direct deposit to your bank account
👉 Millions of People Trust Tala for Credit in a Few Clicks
🛡️ Tala is 100% reliable
✅ Tala has sound collection practices aligned with applicable regulations*
✅ Funding and loans without proof of income or collateral
✅ 24/7 customer service to make getting funding easy
👉 How to Be Part of the #TalaFamily?
✅ Download the Tala credit app
✅ Register with your phone number
✅ Answer the questions and upload your CIP (identification document)
✅ Choose your loan amount and when to pay
✅ Enter your bank account details so we can deposit the approved amount
How do I pay my loan?
Make a payment with cash using your reference number or pay directly on your app with your debit or credit card.
💚 Tala lends you money, seriously
How do I apply for a loan?
✔️ You must be a Panamanian residents, over 18 years old 🇵🇦
✔️ You must have your current CIP and a Panamanian phone number
Recurring Credit Terms
We give you another loan if you pay on time (restrictions apply)
Please review the loan terms and conditions before making monetary or credit transactions
About the Credits
Credit limit: from $50 to $400 USD
Pay a fixed interest rate ranging from 6.75% depending on the terms you choose
Annual interest rate, max. of 164.25% Based on the approved credit amount, choose payment terms
Minimum repayment period: 120 days
Maximum repayment period: 120 days
Example of Rates:
If you borrow $200 USD for 30 days,
you will pay a one-time processing fee of $10 USD (5%) and interest of $27 USD (0.45% daily)
The total amount to repay before VAT will be $237 USD
The total amount to repay including VAT (7%) will be $253.59 USD
Maximum APR: 298.33%
Fixed daily interest rate: from 0.45%
Late payment fee: 5% of the outstanding amount
Loan approval is subject to eligibility and evaluation
*A one-time late payment fee of 5% of the outstanding amount applies to loans with overdue payment terms. Other terms and conditions may apply. APR calculation date: October 2025. Tala will not charge additional fees beyond service charges (and the late fee if you don't pay on time)
Privacy
The data collected is to verify your identity and create your credit profile. We will not disclose your information without your consent or sell your data to third parties. (Privacy Policy: https://tala.co/PA/aviso-de-privacidad/)
Contact
Email: hola@pa-support.tala.co
Address: Diagonal 6, 10-50, Zona 10, Edificio Interamericas, Torre Norte, Nivel 8, Oficina 802, Guatemala City 01013, Guatemala.
Tala provides recurring credit limits. Tala does not partner with quick loan apps like KrediYa, Préstamos 24, Tigo Money, etc.
Easy Funding in Simple Steps
You can qualify for larger amounts with on-time payments. Apply for your loan and get credit in just a few clicks. It's easy to get funding with Tala. Our process helps you get the loans you need. Direct deposit options. Loans without a credit history.
Download Tala and take control of your finances.
👉 Access to Money Thanks to Tala
✅ The money you need, when you need it
✅ Payment terms up to 120 days
✅ Loan increases for responsible borrowers up to $400 USD (restrictions apply)
✅ Fast loans with direct deposit to your bank account
👉 Millions of People Trust Tala for Credit in a Few Clicks
🛡️ Tala is 100% reliable
✅ Tala has sound collection practices aligned with applicable regulations*
✅ Funding and loans without proof of income or collateral
✅ 24/7 customer service to make getting funding easy
👉 How to Be Part of the #TalaFamily?
✅ Download the Tala credit app
✅ Register with your phone number
✅ Answer the questions and upload your CIP (identification document)
✅ Choose your loan amount and when to pay
✅ Enter your bank account details so we can deposit the approved amount
How do I pay my loan?
Make a payment with cash using your reference number or pay directly on your app with your debit or credit card.
💚 Tala lends you money, seriously
How do I apply for a loan?
✔️ You must be a Panamanian residents, over 18 years old 🇵🇦
✔️ You must have your current CIP and a Panamanian phone number
Recurring Credit Terms
We give you another loan if you pay on time (restrictions apply)
Please review the loan terms and conditions before making monetary or credit transactions
About the Credits
Credit limit: from $50 to $400 USD
Pay a fixed interest rate ranging from 6.75% depending on the terms you choose
Annual interest rate, max. of 164.25% Based on the approved credit amount, choose payment terms
Minimum repayment period: 120 days
Maximum repayment period: 120 days
Example of Rates:
If you borrow $200 USD for 30 days,
you will pay a one-time processing fee of $10 USD (5%) and interest of $27 USD (0.45% daily)
The total amount to repay before VAT will be $237 USD
The total amount to repay including VAT (7%) will be $253.59 USD
Maximum APR: 298.33%
Fixed daily interest rate: from 0.45%
Late payment fee: 5% of the outstanding amount
Loan approval is subject to eligibility and evaluation
*A one-time late payment fee of 5% of the outstanding amount applies to loans with overdue payment terms. Other terms and conditions may apply. APR calculation date: October 2025. Tala will not charge additional fees beyond service charges (and the late fee if you don't pay on time)
Privacy
The data collected is to verify your identity and create your credit profile. We will not disclose your information without your consent or sell your data to third parties. (Privacy Policy: https://tala.co/PA/aviso-de-privacidad/)
Contact
Email: hola@pa-support.tala.co
Address: Diagonal 6, 10-50, Zona 10, Edificio Interamericas, Torre Norte, Nivel 8, Oficina 802, Guatemala City 01013, Guatemala.
Tala provides recurring credit limits. Tala does not partner with quick loan apps like KrediYa, Préstamos 24, Tigo Money, etc.
Tala: Access your Loan Screenshots
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