Tala vs Cashalo: Compare the Offer You Actually Receive
Fact-checked and updated 2026-09-22 by the LoanPH247 Editorial Team
Short answer: compare the total pesos due, due dates and mandatory fees in each personalized disclosure. Tala describes a daily-fee model. Cashalo publishes separate product rules and pricing that can depend on loan size, term and qualification.
Editorial note: LoanPH247 is an affiliate comparison service, not a lender. Product information is a summary and may change. Approval, promotions and funding times are not guaranteed. Confirm costs, eligibility, regulatory status and final terms on the provider's official website before applying.
Tala and Cashalo at a glance
| Check | Tala | Cashalo |
|---|---|---|
| Legal company | Tala Financing Philippines Inc. | Paloo Financing Inc. |
| Published authority | SEC CS201710582; CoA 1132 | SEC CS201800209; CoA 1162 |
| Pricing model | Official guidance describes a daily service fee from 0.30% per day | Cashalo publishes product-specific pricing; qualifying small short-term loans have a stated effective monthly cap from April 2026 |
| Final terms | Displayed in the official app before acceptance | Displayed in the official app or agreement before acceptance |
How to compare cost fairly
Use the same proposed loan amount and write down net proceeds, all mandatory fees, payment dates and total repayment. Do not treat a promotional example as your approval. Cashalo's published pricing change for qualifying loans does not mean every product or applicant receives the same rate.
If repayment depends on uncertain income, neither offer is a safe fit. Late payment may add cost and collection activity under the contract.
Safety and verification
Use the legal entity and certificate details as a starting point, then verify current status through the SEC. Download only through official provider links. No legitimate provider needs your OTP or wallet PIN to approve or release funds.
Frequently asked questions
Which is cheaper, Tala or Cashalo?
It depends on the offer. Compare total repayment in pesos for the same amount and a similar repayment period.
Are Tala and Cashalo the same company?
No. Their official terms identify different legal companies.
Is approval guaranteed?
No. Eligibility, amount, pricing and funding time depend on assessment and the final offer.
Primary sources
Checked 2026-09-22. Recheck before applying.
Corrections: report an outdated term through our contact page. See our editorial policy and comparison methodology.