How fast can I get a loan?

We provide most loan decisions in minutes. You choose first the loan amount offer, which can be equal to or less the amount you have been approved for, and the payment period. Follow the instructions for submission of ID requirements for verification. Once your ID is verified, choose where to receive the funds, which you can usually receive within one business day (or even instantly!), based on your preferred Cashout option.

Bank Cashout Processing time:

Processed by PESONet:
Cash-outs placed before 1 PM (Monday-Friday) - Within the day, not later than 11:59 PM.
Cash-outs placed after 1 PM (Monday- Friday) - Next business day Mon - Fri)

Other banks:
Cash-outs placed before 10 AM (Monday to Friday) - Within the day, not later than 6 PM
Cash-outs placed after 10 AM(Monday to Friday)- Next business day Mon - Fri), not later than 6 PM

Cash-outs placed during weekends (Saturday to Sunday) and Holidays - Next business day Mon - Fri), not later than 6 PM

**Business days are from Mondays to Fridays only.

Bank cash-out charges a service fee of Php5 - Php20, depending on your selected bank.


Padala Center Cashout Processing time:

MLhuillier Pick-up Time:
Cash-outs placed after 12 PM - Next day
Cash-outs placed before 12 PM - Within the day, not later than 6:00 PM
Service fee: 1% of the principal amount

Cebuana Lhuillier Pick-up Time:
Within 60 minutes
Service fee: 5% of loan amount + PHP 3

A separate SMS with the Sender's name and mobile number will be sent to you once your loan is already available for pickup.

Please note that the service charge from your chosen Padala center will be deducted from your loan amount.





With more than 5M+ downloads in the Philippines, the Tala loan app is a trusted online loan app that offers loans up to PHP 15,000 in minutes. Our online loan application process is fast and seamless. Get a personal loan anytime and anywhere from your phone. Our loan app in the Philippines has thousands of happy customers who have given us 5 star ratings in the app store. Use our cash loan app to get an instant online loan today.


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