Tala vs Cashalo — Which is Better?
Updated: June 2026 | By Mark Santos
Can't decide between Tala and Cashalo? I compared both lenders to help you make the right choice.
Quick Comparison
| Feature | Tala | Cashalo | Winner |
|---|---|---|---|
| 💰 Max Amount | ₱15,000 | ₱25,000 | 🏆 Cashalo |
| ⚡ Speed | 5 min | 15 min | 🏆 Tala |
| ✅ Approval | 85% | 78% | 🏆 Tala |
| ⭐ Rating | 4.3/5 | 4.1/5 | 🏆 Tala |
| 🎁 First Free | No ❌ | Yes ✅ | 🏆 Cashalo |
| 📅 Max Term | 180 days | undefined days | 🏆 Cashalo |
Tala — Overview
Instant cash loans through your smartphone. No paperwork, just upload your ID and get approved in minutes.
Pros: Instant approval via app, No collateral required, Credit building program Cons: Higher interest for new users, Limited loan amount initially
Cashalo — Overview
First loan with 0% interest. Quick cash loans with flexible repayment options and competitive rates.
Pros: First loan 0% interest, Quick approval process, Competitive interest rates Cons: Requires higher credit score, Limited availability in some areas
Verdict: Which Should You Choose?
Tala wins this comparison with a 4.3/5 rating vs 4.1/5. Cashalo offers a free first loan, which is a significant advantage.
FAQ
Tala or Cashalo: which approves faster?
Tala approves in 5 minutes, while Cashalo takes 15 minutes.
Can I apply to both at the same time?
Yes, you can apply to both Tala and Cashalo simultaneously to increase your chances of approval.
Read more: Tala review, Cashalo review, Best loans Philippines