As digital lending continues to reshape access to credit in the Philippines, Tala has launched Grow with Tala, a new in-app feature that gives borrowers greater visibility into their financial progress.
The tool is designed to help users track their credit growth and understand how consistent repayments can unlock higher loan limits over time.
For many borrowers, uncertainty doesn’t end once a loan is approved. Questions about when their account will be reviewed, whether they qualify for a higher credit limit, and how repayment behavior affects future borrowing often remain unanswered.
Through the app, users can monitor their current credit limit, repayment status, upcoming account reviews, and key milestones that could lead to increased borrowing capacity. The company said the feature is part of its broader effort to move beyond simply providing access to credit by giving customers greater transparency into their credit profile.
In a press release, the fintech firm said the feature was developed following findings from its recent Financial Health Score (FHS) Survey, which highlighted the emotional toll that financial uncertainty can have on borrowers.
IMAGE CREDIT: Freepik
According to the company, many customers want greater visibility into their financial progress instead of waiting until after repaying a loan to learn whether they qualify for higher credit limits.
“At Tala, we understand that uncertainty is a big source of stress for our borrowers, especially those juggling multiple financial commitments,” said Moritz Gastl, General Manager of Tala Philippines. “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.”
One of Grow with Tala‘s key features is the ability to preview a guaranteed increase in a customer’s credit limit before their current loan reaches maturity, provided they repay their loans on time. Tala said this gives borrowers more certainty when planning future expenses while reinforcing responsible repayment habits.
The dashboard also brings together information that was previously scattered across the app, including account tenure, payment history, upcoming evaluation dates, available rewards, and referral incentives. By presenting these in a single view, Tala said the consolidated dashboard helps users better understand their financial standing and what they need to do to improve their credit profile.
Tala expands beyond lending with financial wellness tools
IMAGE CREDIT: Tala
Beyond the new feature, the launch reflects a broader trend in the Philippine fintech sector, where digital lenders are increasingly incorporating financial wellness tools into their platforms.
Rather than focusing solely on loan disbursement, many providers are investing in features that help customers build healthier financial habits, provide greater transparency, and strengthen long-term engagement.
“Our recent Financial Health Score survey highlights our impact on the long-term well-being of millions of Filipinos by helping turn their dreams into lived realities,” said Nicolas Cabrera, Chief Product Officer at Tala. “By turning basic credit into true financial agency, Tala is not just fostering inclusion, but driving broader economic growth for the global majority.”
Actress and Tala Philippines ambassador Judy Ann Santos-Agoncillo said making financial progress visible can encourage borrowers to stay disciplined with their repayments.
“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.”
The new feature is now available through the Tala mobile app for eligible users. Tala, a licensed financing company regulated by the Securities and Exchange Commission, said it has disbursed more than US$8 billion in loans to over 14 million customers across Africa, Latin America, and Asia.
