Tala is an online loan app that provides instant credit scoring, lending, and other personalized financial services in the Philippines and around the world. Millions of people have borrowed through Tala’s smartphone app, which allows anyone with an Android smartphone to apply for a loan and receive an instant decision, regardless of their credit history. Using alternative data to score customers in real-time, Tala delivers fast, personalized loans to approved borrowers, helping customers establish their financial identities over time.