To whom am I lending my money?

Tarya is reshaping banking through its unique alternative investment platform, which provides personalized financial solutions to many different types of borrowers. Tarya has developed a one-of-a-kind, community-based business model which enables us to provide credit to borrowers that come to us through vetted retailers and businesses, wanting to provide financial solutions directly to their customers. Only customers who have passed our stringent underwriting process will be able to get credit through the community. This enables us to give credit to borrowers – people like you and me, which means that your investment portfolio is less exposed to late payments and potential default. 

Here are some of the reason’s borrowers use Tarya:

  • It’s super convenient – they can get financing directly at the point of sale or from the comfort of their home
  • It’s fast –they know very quickly whether they meet Tarya’s strict underwriting standards
  • It’s personalized – by analyzing the borrower’s data, we are able to offer smart, modular solutions that meet their exact needs
  • It’s completely transparent – borrowers always know how much interest they are paying on a loan
  • There are no penalties for early loan repayment

To read more about the types of loans available in Tarya click here.

What do I need to know about withdrawing money from Tarya?

At Tarya, we know that nothing in life is constant except change, which is why we have developed an incredible mechanism which gives our investors liquidity of all the available money within their portfolio. This means that there is no lock-up period for your money – you can request a withdrawl on your available money from within your personal dashboard – it’s your money after all!

The real beauty of all this is that there are no withdrawal commissions, early payment commissions or sanctions.

How does it work?

Its super simple! All you need to do is request a withdrawal from within your dashboard. The moment we receive your withdrawal request, Tarya’s smart algorithms start to “sell” parts of the loans you’re invested in. This process is likely to take a few business days, depending on the amount of your withdrawal request. In certain cases, to avoid you waiting for your money, the withdrawal will happen in a few rounds, meaning that you might get several separate deposits into your allocated bank account.

It is not possible to withdraw from loans that are in default. In such cases, the withdrawal request will remain pending until the loan amount has been recovered from the borrower, at which point, the system will then transfer the money to you automatically. You can read more about late payments here.

How do I request a withdrawal of money from my account?

  • Log in to your dashboard.
  • Select the ‘withdrawal request’ option.
  • Select the account you wish to withdraw from.
  • Select the amount you wish to withdraw.
  • On receipt of the withdrawal request, the system will start to liquidate your available funds.

Good to know

  • The system will display the maximum sum available for a withdrawal request.
  • If there is an open withdrawal request, no additional request can be made.

How can I see all my transactions?

At any given moment, an investor can log in to their Tarya dashboard, using a dedicated password-protected web-based application.

From within your personal dashboard, you can:

  •  view all transactions
  •  see all the distribution of the loans you’re invested in
  •  overview your portfolio’s performance in real time.

In addition to having access 24/7, Tarya sends a monthly financial report via email to the registered Tarya account holder or having the report available through the dashboard.

Three business days have passed, and I still have not received confirmation from Tarya – what now?

If you have not received confirmation of your deposit from Tarya, please log in to your Tarya dashboard to reconfirm whether the money has in fact been received. If the deposit amount is not reflected in your dashboard, contact our Customer Service team.

In all contact with our Customer Service team, don’t forget to specify the following details:

  • Your username and email
  • Details of the transfer (amount, date, reference number)
  • If possible, please attach a copy of proof of transfer

The most common reason for delayed allocation of funds is difficulty in identifying the source of the money. Always make sure to make a transfer from the bank account associated with your Tarya account or your Tarya sub-account.

Can I open an account for my children?

Definitely, yes! Sub-accounts, or as we call them ‘zones’, can be opened for any third party, whether it’s your kids or even your grandkids. Keep in mind that zones are sub-accounts under the main account holder, which means that the money legally belongs to you as the account holder, and only you can submit a withdrawal request.

To open a zone for your kids just log in to your dashboard.

Loans portfolio performance

The data in the loan performance table reflects the percentage of non-paid loans in each of Tarya’s internal credit ranks and based on the data from the past two years.
Each loan application is examined by our underwriting process with the aim of identifying the risk inherent in the loan, assign a credit score to the loan and as a function of all these, to set an interest rate to the borrower.

The risk inherent in the credit grades are as follows:
The higher the grade (AA), the greater the reliability of the borrower and therefore the lower the interest rate on the loan as he poses a lower risk of insolvency.
The lower the grade (BB), the greater the risk of non-payment and therefore a higher interest rate on the loan.

The data appearing in the table do not include the returns receive from Tarya’s SAFE protection funds, execution of guarantees or monies received as a result of our collection team for late interest from borrowers in arrears and therefore, from the perspective of the lender, the arrears rates are actually lower than what appears in the table.

You can change your investment portfolio at any time so it corresponds to the level of exposure you are willing to take on your investment, alternatively you can open multiple zones with different investment portfolios and see which one best suites your needs.

What happens if a borrower does not repay the loan in which I have invested?

Tarya’s primary and uncompromising obligation is to you as investor. We are obliged by the law to take all measures available in order to collect the debt. Therefore, anyone seeking to avoid repayment of loans, or whose conduct is cause for a loss of confidence in Tarya and the financial community, is liable to various sanctions:

  • A borrower in default will be reported to the Bank of Israel, according to the law of (netunai hashrai)
  • Tarya will make use of any legal instrument at its disposal in order to collect the debt, including placing an lien on the borrower’s bank accounts or salary, issuing orders barring exit from the country, limiting the use of credit cards, non-renewal of driver’s license, and shortened execution procedures.
  • Should we be forced to start collection procedures, borrowers will be charged with a late interest rate penalty, as prescribed by the law. The interest earned is transferred entirely to the investors, as compensation for the borrower’s failure to make regular loan payments.

Why does the number of active loans showing in my dashboard change all the time?

There are several reasons for the constant change in the number of loans:

  • Continuous spreading of your investment: Tarya’s dedicated algorithms are constantly working to reduce your exposure on a single loan, continuously spreading your investment across as many loans as possible as they enter the platform. The more we spread your investment, the more loans you will see in your dashboard.
  • Automatic Reinvestment Agent: If you have activated the Automatic Reinvestment Agent on your account, the repayments and interest earned from current loans will automatically be reinvested into new loans, enabling you to generate additional earnings from compounded interest.

From my report I can see that I have invested a large sum in some loans. Is this normal?

Yes, it’s normal, there may be times when you have a high amount invested in a single loan.
Tarya’s dedicated algorithms are constantly working to reduce your exposure by continuously spreading your investment across as many loans as possible, and over time your amount per loan will be reduced accordingly.

Do investors with more money in their account have preference?

Absolutely not! Tarya’s treats every investor in the same way fairly, with transparency and without any differentiation. You will therefore receive the same interest and pay the same fee.  The fact that one investor has less money than another is not relevant and does not make any change to their performance.

In the event of the death of an investor, how can the estate’s representatives withdraw money from their Tarya account?

In the event that an investor passes, the money within their Tarya account will form part of the assets of their estate.  A withdrawal of the money in the Tarya account may be executed at the request of the legal heirs, pursuant to an Inheritance Order or a Will Probation Order, or if an estate administrator has been appointed, pursuant to the order received by the estate administrator. Should you require any assistance in this regard, please send an email to

What is SAFE 200/ SAFE 500 (A)

One of the efficient ways to limit an investor’s exposure to loss is to spread his investment into as many loans as possible. However, there might be cases where the spreading of the investment at a certain time is not possible. For those cases, where the exposure to a certain loan is high, Tarya took it upon itself to reimburse the investor for a part of the loss.

Therefore, the SAFE 200 protection fund is a mechanism whereby the investor will be compensated by Tarya for loss exceeding 0.5% in a specific loan in arrears over 60 days. Note: Compensation will only apply on loans exceeding 50 shekels per loan.

For example, if a specific loan is in arrears and the investor’s exposure is 0.7% of his portfolio, Tarya will compensate him for the exposure above 0.5% so in this case 0.7-0.5 = 0.2%.

SAFE 200 is free for all investors and compensation is done automatically.

SAFE 500 works on the same principles but the threshold is 0.2% instead of 0.5%, adding an additional layer of protection to investors who are more averse to risk. The SAFE 500 protection fund is not a free service and investors has to pay a fee as shown in the table below.

The fee will be charged only for loans where the exposure exceeds 0.2%, and the fee is automatically deducted from the monthly repayment made to the investor – see table below

Good to know:
Where there is a borrower with several loans, Tarya will apply the relevant protection fund to all the loans in arrears of that borrower combined.

The SAFE 500 fees:

Is it possible to change my investment portfolio once selected?

Definitely! You can change your investment portfolio anytime you want. Just log in to your Tarya dashboard. Alternatively, you can try more than one investment portfolio at the same time – head on over to the zone section to find out more.

Good to know:

  • A newly selected investment portfolio will only be activated on new investments deposited into your Tarya account – it does not retroactively change your existing investment portfolio.
  • Returns from the old loans will be deposited into loans which fit your new investment profile
  • Any change in investment preference cancels the selected default portfolio.
  • It is likely that investment portfolios built manually will influence the dispersal rate of your money – in other words it might take us more time to get all your money invested into loans.

How do I change a withdrawal request once it’s been submitted?

If you have submitted a withdrawal request and you wish to change the withdrawal sum, or cancel the request, please immediately contact our Customer Service team by emailing

What is the term of the loans I am invested in?

We have a diverse range of loan types in the platform, extended for various periods, from six months to 30 years.

Is there a lock-up period for my money?

Let’s start with the most important fact – in Tarya there is no lock-up period for your money. We believe that the money you invest is YOUR money and you should have access to it whenever you want. Therefore, you can request a withdrawl on your available money from within your personal dashboard.

Click here for more information about how to withdraw money from your Tarya account.

Automatic Reinvestment Agent – what is it and how does this work?

Our Automatic Reinvestment Agent is a very cool feature which enables you to make money on your money.

How does it work? As the borrower pays off the loan, the payment is transferred to your Tarya account. If you have activated this feature, our Automatic Reinvestment Agent will automatically reinvest the repayments into new loans entering the system. This mechanism allows for all your money to work – making a profit on your profit – similar to compound interest.

If, on the other hand, this feature remains deactivated, the repayments will stay idle in your Tarya account. In short, your money is not making money – now who wants that?

 Please note: For the Automatic Reinvestment Agent to work, it needs to be on. To activate it, simply jump on over to your account settings and make sure this feature is on.

 Good to know:
You don’t need to stop your automatic investment agent in order to liquify your money, you can just send us a withdrawal request while keeping the feature on.

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