Good news, luv: No processing fees for Tonik Holiday Helper! The only fees aside from interest are:

1% of your loan amount for taxes (DST, GRT),

5% if you add PayHinga to your loan (for those who will get the 5-month loan term offer), 

and a ₱500 late fee if you pay late.

That’s it! 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

Hi, luv! There might be two reasons for this:​
First, we do not charge the processing fee  (7% of the Financed Amount) upfront. The equivalent amount will be divided equally to your monthly installments.​ Second, check if you availed of our VAS PayHinga service since this is added to your EMI as well. (9.11% of the EMI)

Hi there, luv! You can take your next scheduled due date off.

But remember: This just means that your entire payment schedule is pushed back. There is no free/waived payment.

For example, if your next due date was supposed to be on June 1, it'll be pushed back to July 1 instead. Naturally, the rest of your payments will also be pushed back by a month. Hope this helps! XOXO