To address this, Tala introduced Grow with Tala, a new in-app feature that allows users to monitor their financial progress, see upcoming milestones and gain visibility on future credit growth.
User anxiety
The feature was developed following findings from Tala Philippines’ recent Financial Health Score Survey, which showed the need to address the psychological burden of credit-building among customers.
Tala said many borrowers experience uncertainty while managing multiple financial commitments, making transparency a key part of improving their financial well-being.
“We understand that uncertainty is a big source of stress for our borrowers, especially those juggling multiple financial commitments,” Tala Philippines general manager Moritz Gastl said in a statement.
“We designed this tool to bring clarity and purpose to financial management, giving our customers a clear path to actively shape the future they've always envisioned with Tala,” he added.
Credit visibility
Grow with Tala gives users a preview of their guaranteed credit limit increase even before their current loan becomes due.
Customers only need to repay their loan on time to receive the new limit, allowing them to plan future expenses with greater certainty.
Tala said this level of visibility helps reduce money-related strain while encouraging users to remain consistent in building better financial habits.
The feature can be accessed through the “growth tree” icon on the main screen of the Tala app.
Through the section, users can monitor how long they have been with Tala, their credit limit summary, current account status, upcoming analysis dates and milestones they need to unlock.
Responsible borrowing
In the same statement, Tala said Grow with Tala also promotes responsible borrowing by providing real-time updates on payment status, limit eligibility and progress toward larger credit access.
It said the feature is designed to give users a stronger sense of control over their finances by making their credit journey easier to understand.
It also consolidates existing benefits, including referral rewards, possible bonuses and access to bigger credit limits for customers with consistent on-time payment behavior.
To help users maintain these benefits, the app provides reminders and positive reinforcement aimed at supporting better financial habits.
Financial growth
Tala said the feature also supports the goals of its Kasangga sa Laban ng Buhay campaign, which positions the company as a partner in customers’ long-term financial growth.
Tala chief product officer Nicolas Cabrera said the company is expanding its digital capabilities to create clearer pathways for customer progress.
“Our recent Financial Health Score survey highlights our impact on the long-term well-being of millions of Filipinos and turning their dreams into lived realities,” Cabrera said.
“By turning basic credit into true financial agency, Tala is not just fostering inclusion, but driving broader economic growth for the global majority,” he added.
Tala Philippines ambassador Judy Ann Santos-Agoncillo said seeing financial progress can help sustain motivation among Filipino families.
“When you actually see how far you’ve come on your financial journey, it becomes such a huge motivator to keep you going,” she said.
“Grow with Tala further strengthens Tala’s role as your true kasangga for the long haul, inspiring Filipino families to keep moving forward and working towards achieving their goals,” Santos-Agoncillo added. —Ed: Corrie S. Narisma
