5 Apps Like Tally: Alternatives to Help You Consolidate Debt in 2026

Cleo offers cash advances up to $250, we know that's not a lot if you're looking for $500+ to help you through. However, Cleo allows you to get a new cash advance just 24-hours after paying off your previous advance. Plus, you can reschedule your payment date once if your budget changes. However, why it really makes our list is that it can help you create a personalized budget, analyze your spending and call you when you're close to hitting spend limits whether you get a cash advance app with Cleo or not. So if you're interested in Tally to help get you out of debt, Cleo may fit the bill for tackling your budget.

• Available in all states

• Why we like it

  Cleo offers cash advances up to $250, we know that's not a lot if you're looking for $500+ to help you through. However, Cleo allows you to get a new cash advance just 24-hours after paying off your previous advance. Plus, you can reschedule your payment date once if your budget changes. However, why it really makes our list is that it can help you create a personalized budget, analyze your spending and call you when you're close to hitting spend limits whether you get a cash advance app with Cleo or not. So if you're interested in Tally to help get you out of debt, Cleo may fit the bill for tackling your budget.

• Pros and cons

  Pros

  • No payslips or W-2 forms required
  • New advance available after 24 hours
  • One-time due date extension
  • Budgeting and savings tools through app

  Cons

  • $250 advance limit is lower than some competitors
  • Advance limits start low
  • Mixed customer reviews

• More details

  Loan amount	$20 - $250
  Interest rate type	Fixed
  APR	0%
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

Happy Money offers fixed-interest personal loans that start at 8.95% APR. Loan amounts range between $5,000 and $50,000 with repayment terms of 2 to 5 years. While its starting rate is higher than Tally's, its fixed interest rate won't change over the loan term.

Happy Money works with lending partners instead of lending directly. These lenders charge an origination fee based on the loan amount, term and your credit score. They deduct this fee from the loan proceeds, so you'll need to apply for a higher amount than you need. On the plus side, Happy Money only charges an origination fee, with no late fees, nonsufficient funds fees or other fees.

• Not available in: Iowa, Massachusetts, Nevada

• Why we like it

  Happy Money offers fixed-interest personal loans that start at 8.95% APR. Loan amounts range between $5,000 and $50,000 with repayment terms of 2 to 5 years. While its starting rate is higher than Tally's, its fixed interest rate won't change over the loan term.

  Happy Money works with lending partners instead of lending directly. These lenders charge an origination fee based on the loan amount, term and your credit score. They deduct this fee from the loan proceeds, so you'll need to apply for a higher amount than you need. On the plus side, Happy Money only charges an origination fee, with no late fees, nonsufficient funds fees or other fees.

• Pros and cons

  Pros

  • Accepts fair credit borrowers
  • Rates cap out at 35.99% APR
  • Borrow up to $50,000

  Cons

  • Minimum loan amount is $5,000
  • Other lenders may have lower APRs
  • Charges an origination fee

• More details

  Loan amount	$5,000 to $50,000
  APR	8.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	3 to 7 business days
  Loan Term	2 to 5 years

Upstart is an online lender that offers personal loans that you can use for debt consolidation. It's one of the few lenders that considers non-traditional underwriting criteria like work experience or education. It is aimed at fair and bad credit borrowers with scores as low as 300, with interest rates from 6.3% to 35.99% APR.

Upstart is also known for quick funding — you could get your funds as soon as the same day you apply. But it charges an origination fee of up to 12% on its loans, and the lowest rates and fees go to the best credit borrowers. But if you can secure a lower rate than the average rate of your credit cards combined, you could save money while paying off your debt faster.

• Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

• Why we like it

  Upstart is an online lender that offers personal loans that you can use for debt consolidation. It's one of the few lenders that considers non-traditional underwriting criteria like work experience or education. It is aimed at fair and bad credit borrowers with scores as low as 300, with interest rates from 6.3% to 35.99% APR.

  Upstart is also known for quick funding — you could get your funds as soon as the same day you apply. But it charges an origination fee of up to 12% on its loans, and the lowest rates and fees go to the best credit borrowers. But if you can secure a lower rate than the average rate of your credit cards combined, you could save money while paying off your debt faster.

• Pros and cons

  Pros

  • Fair and bad credit OK
  • Considers education and career in underwriting
  • No prepayment penalty

  Cons

  • Origination fee up to 12%
  • Only 2- and 5-year terms available
  • No mobile app to manage loans

• More details

  Loan amount	$1,000 to $75,000
  APR	6.30%–35.99% (includes any origination fee)
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	As soon as the next business day
  Loan Term	3 or 5 years

Brigit is a cash advance app offering payday cash advances up to $500 per pay period with its paid subscription, which costs $8.99 to $14.99 a month. It's not for debt consolidation, but you can use it in conjunction with Tally to get your finances on track, especially if you take advantage of its additional features, like overdraft protection.

Just activate the auto-overdraft feature, and Brigit will monitor your bank account for low balances and advances money to prevent an overdraft. Brigit's paid subscription also includes a free credit builder program and $1 million in identity theft protection. But like other cash apps, same-day transfers come with a fee.

• Available in all states

• Why we like it

  Brigit is a cash advance app offering payday cash advances up to $500 per pay period with its paid subscription, which costs $8.99 to $14.99 a month. It's not for debt consolidation, but you can use it in conjunction with Tally to get your finances on track, especially if you take advantage of its additional features, like overdraft protection.

  Just activate the auto-overdraft feature, and Brigit will monitor your bank account for low balances and advances money to prevent an overdraft. Brigit's paid subscription also includes a free credit builder program and $1 million in identity theft protection. But like other cash apps, same-day transfers come with a fee.

• Pros and cons

  Pros

  • Save on overdraft fees
  • Credit builder program included in monthly fee
  • Budgeting tools to help you track spending

  Cons

  • Some complain the service is hard to cancel
  • Not all users qualify for a $500 advance
  • Same-day transfers cost extra

• More details

  Loan amount	$50 - $500
  Interest rate type	Fixed
  Loan Term	Until your next payday, but can extend
  Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.

• Partner terms and conditions

  ME: $25-$250 only

Elastic is an online lender that offers same-day turnaround to eligible borrowers. Its lines of credit stretch from $500 to $4,500 and offer fast funding for emergencies. Once the line is open, you just request a cash advance online. But this convenience and speed come at a cost.

Each cash advance sets you back a 5% or 10% cash advance fee, depending on your billing cycle. You must also pay a portion of your cash advance each billing cycle, and if your carried balance is more than $10, Elastic charges you a fee between $5 and $350. Despite the costs, many customers give Elastic good reviews online.

• Not available in: Colorado, Connecticut, Georgia, Hawaii, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia

• Why we like it

  Elastic is an online lender that offers same-day turnaround to eligible borrowers. Its lines of credit stretch from $500 to $4,500 and offer fast funding for emergencies. Once the line is open, you just request a cash advance online. But this convenience and speed come at a cost.

  Each cash advance sets you back a 5% or 10% cash advance fee, depending on your billing cycle. You must also pay a portion of your cash advance each billing cycle, and if your carried balance is more than $10, Elastic charges you a fee between $5 and $350. Despite the costs, many customers give Elastic good reviews online.

• Pros and cons

  Pros

  • Positive customer reviews
  • Same-day funding in some cases
  • Can help boost your credit score
  • No hidden fees

  Cons

  • Costs can run high
  • Not available in all states
  • No Android app

• More details

  Loan amount	$500 - $4,500
  Interest rate type	Fixed
  APR	5% to 10% advance fee
  Loan Term	Up to 10 months
  Turnaround time	1+ business day