Eskwela-ssentials Terms and Conditions

The Lowest Hulugan with Back-to-School Wins!

Promo period: 12:01 AM of June 1, 2025, to 11:59 PM of August 31, 2025  
Per DTI Fair Trade Permit No. FTEB-226339 Series of 2025

1. The participation in the program is open to all Tonik customers with an approved Tonik Shop Installment loan during the promo period. All eligible customers should have a good payment record with no delinquencies.
2. The Tonik customer must have a verified Tonik Account to apply for a Tonik Shop Installment loan. To verify your Tonik Account, you must submit any one of the six valid and eligible government IDs. Learn more here: https://tonikbank.com/faq/how-can-i-upgrade-my-tonik-account
3. A Tonik Shop Installment loan can be applied in any of our Home Along partner stores. This promo applies to home appliances, furniture, mobile phones and gadgets. https://tonikbank.com/shop-installment-loan/partner-stores
4. The following are not qualified to participate in this promotion:
   Non-Filipino citizens
   Tonik customers with rejected Tonik Shop Installment loan application 
5. Tonik reserves the right to cancel the participation of participants if any abuse, fraud, or proven suspicious activities are found, or if found to violate the Terms & Conditions of this program, the Tonik General Terms & Conditions, or any prevailing regulations of the Bangko Sentral ng Pilipinas.
6. By participating in this program, you have read, understood, and agreed to all applicable terms and conditions of the Loan to Libre promo, including Tonik's Shop Installment loan General Terms & Conditions as found in Terms and Conditions (Loans)
7. For more information, you can reach out to Tonik Customer Care through the in-app chat feature in the Tonik application or reach out via other channels: customercare@tonikbank.com and +63 2 5322 2645 .​

Frequently Asked Questions

1. Who can join the Eskwela-ssentials Raffle Promo?

   All Tonik customers who get approved and disbursed a Shop Installment Loan of ₱10,000 or more between June 1 and August 31, 2025, with a good payment record and verified Tonik Account.

2. How do I earn raffle entries?

   For every approved and disbursed Shop Installment Loan of ₱10,000 or more during the promo period, you get one raffle entry.

3. What prizes can I win?

   Exciting back-to-school essentials like laptops, printers, and Tonik credits. Monthly prizes include an Epson Printer and an Acer Laptop. The grand prize is ₱30,000 Tonik credits! Plus, there are consolation prizes.

4. Where can I apply for the Shop Installment Loan?

   You can apply at any Home Along partner store nationwide.

5. Can non-Filipino citizens join the promo?

   Sorry, only Filipino citizens are eligible.

6. What if my loan application gets rejected?

   Only approved and disbursed loans qualify for the raffle.

7. Do I need a verified Tonik Account?

   Yes! You must have a verified Tonik Account to apply.

8. How and when will winners be announced?

   Monthly raffle draws will be held in June and July, with the grand prize draw at the end of August. Winners will be notified via Tonik app or official channels.

9. What happens if I have delinquent payments?

   Only customers with a good payment record and no delinquencies qualify for the raffle.

10. How can I contact Tonik for questions?

    Reach out via the in-app chat, email  customercare@tonikbank.com, or call +63 2 5322 2645.

11. How can I contact Tonik for questions?

    Reach out via the in-app chat, email  customercare@tonikbank.com, or call +63 2 5322 2645.

12. How to claim the prize?

    Present the confirmation email that you've won the prize at your nearest Home Along branch.