Eligible clients are offered a customized low-interest line of credit. Once accepted, debts are consolidated and paid off with the Tally line of credit at a fixed rate. This is a saving grace for many people in debt who have a variable APR on multiple different cards which can be challenging to budget for. Tally charges an annual fee that's included in the line of credit so customers are not out of pocket (another smart move to help those who are already worried about cash flow).

Having achieved over $172m in funding and deploying add-on services like automatic student loan management and credit score improvement, Tally has recently brought Twitter's Jan Chong on board to grow the engineering team with a dual focus on recruiting and retaining talent as well as scaling products and capabilities so they can bring financial automation to more people.