Hi there, luv! You can only activate one month of PayHinga once you've made 3 consecutive monthly installments on-time.

But remember, if you're late for a payment, you'll have to start over again. No worries, though! As soon as you pay on time, you can start using PayHinga once more.

Just a heads up, you can only activate PayHinga BEFORE your due date.

To see if you're eligible to activate PayHinga, check the PayHinga card in your loan dashboard. Hope this helps! XOXO

Hi there, luv! If you opt into PayHinga when you accept our Reloan and Flex Up offer, you'll pay the same PayHinga fee of 9.11% of your monthly loan installment. ​

This fee must be paid, whether or not you activate PayHinga, for the duration of your loan. XOXO

PayHinga is a value-added service that allows you to push your payment schedule back for as long as one month! Not only that, but it also comes with Credit Life Insurance provided by Sun Life Grepa Financial, Inc.

If you’ve activated PayHinga for our Tonik Credit Builder and/or Shop Installment Loan, it’s similar to that!

Rest assured that when you're going through tough times, PayHinga's got you covered. XOXO

Hi there, luv! PayHinga is an add-on service provided by Tonik for borrowers going through tough times.

With PayHinga, customers can take a break from paying off their loan, for as long as one month, by pushing the payment schedule back. Plus, PayHinga comes with Credit Life Insurance provided by Sun Life Grepa Financial, Inc. XOXO

Good question, luv! The 3-months loan term offer for Tonik Holiday Helper does not come with PayHinga. XOXO

Sorry, luv! You can only choose to opt into PayHinga while applying for your loan. If your loan is already ongoing, you cannot add the PayHinga service. XOXO

Hi there, luv! If you opt into PayHinga, you'll need to pay an extra fee equal to 9.11% of your monthly loan installment. This goes for all our loans!

This fee must be paid regardless of whether you activate PayHinga or not. XOXO

Hi there, luv! To activate PayHinga, just go into your loan dashboard, tap the PayHinga card and follow the instructions. XOXO

Hi there, luv! Our insurance partner, Sun Life Grepa Financial, Inc. offers Credit Group Life and Credit Disability insurances only for customers aged 59 and below. This doesn't stop us from giving you a loan offer you can't resist. XOXO​

Hi there, luv! Once you've agreed to opt into PayHinga, it will be part of your monthly payments until you've finished paying off your loan. XOXO

No, luv. You need to wait for your next scheduled due date to deactivate PayHinga. XOXO

Hi there, luv! Yes. You can fully pay off your loan while you're still on your PayHinga period. XOXO

Hi there, luv! Once you've successfully applied to our PayHinga service, you will be notified via SMS that your insurance converage has already started and that the Proof of Cover is already available in the Tonik App.

No, luv. Interest will not build up during your PayHinga period. XOXO

Yes, luv! You can choose to toggle off PayHinga before applying for your loan.

However, once your loan has been approved and disbursed, you can no longer opt out. XOXO

Hey, luv! Since you can only activate your PayHinga after three consecutive on-time payments within your current loan term, you can only take one payment holiday for this offer. Make sure to pay on time to earn that payment holiday! XOXO

Hi there, luv! As much as we want you to enjoy the benefits of your plan, you may still cancel your plan provided that there are no claims made on your account within the policy period.

You may request for cancellation with the Tonik Bank Customer Service at customercare@tonikbank.com or by telephone at +63 2 5322 2645.

But please note that since your insurance coverage is part of the PayHinga package, you’ll still be charged the entire PayHinga fee even if you’ve cancelled your insurance plan. XOXO

No, luv. Your insurance coverage is bundled together with PayHinga and only one PayHinga is allowed per customer per loan. Thanks for understanding! XOXO

Hi there, luv! If you opt into PayHinga, you'll be covered from the moment your loan is disbursed until you fully pay it off. You'll receive an SMS notification from Tonik confirming your coverage.

To make sure you're covered by the insurance, it's essential to keep up with your loan payments. If you fall behind on your loan, you might not be covered by Sun Life.

Your insurance will automatically end on the earliest of these dates:

• The date specified in the Termination of Debtor's Insurance section of the Policy;

• the end of the grace period for which premium remains unpaid to SLGFI for this benefit; or

• the day you turn 59 years old.

XOXO

Hi there, luv! The insurance premium is already part of your PayHinga fee. No need to worry about additional fees. XOXO