Good question, luv! You can get approved for a loan in 2 days, as long as you are able to answer our call for identity verification. So be ready! XOXO

Hi there, luv! You'll see the status of your Credit Builder application on your Tonik App. Give it a peek to check if you've been approved already. XOXO

Hi there, luv! Your approval would depend on our analysis of data and risks provided during your application for Credit Builder. Each approval process is unique, depending on the data provided by applicants, so some might be able to, while some might not. Thanks for understanding, hun! XOXO

Hi there, luv! You'll be able to see your cash in your Tonik Account once you finish the post-approval questions and sign the Credit Builder documents. Hope this helps. XOXO

Hi there, luv! We try our best to schedule the Credit Builder due date as close as possible to our customers’ salary dates. But take note that customers do not have complete control over the exact due dates. Super thanks for understanding! XOXO

Hi there, luv! Unfortunately, you cannot change your due date and loan terms until you have finished repaying the full amount of your Credit Builder. If you haven't taken out a loan yet, make sure you set the right repayment date that allows you to manage your finances. XOXO

Hi there, luv! The amount will be debited from your Tonik Account on the date you have chosen as the due date. XOXO

Good question, luv! You may re-avail Credit Builder once your loan term is up. And guess what? If you keep paying on time, we've got some seriously awesome stuff waiting for you. So, don't let a repayment slip by, okay? XOXO

Hi there, luv! 

We'll automatically deduct your monthly Credit Builder repayment from your Tonik Account on your due date. And don't worry, we'll shoot you an SMS to let you know if it went through smoothly or if there were any hiccups along the way. 

Make sure to Top up your Tonik Account from the following channels in the App before the due date ends to avoid late fee charges: 

• Local Bank Debit Card (Minimum amount PHP 500)
• PESONet (Posting of payment will be next banking day; Minimum transfer amount and cut-offs depend on your (ex)bank)
• InstaPay (Minimum transfer amount and cut-offs depend on your (ex)bank)
• Link your GCash account to pay your loan here.

Hope this helps! XOXO

Hi there, luv! As long as your have a Credit Builder, your transaction fees are free! 

Please refer to the list of available channels below. 

• Local Bank Debit Card (Minimum amount PHP 500)
• PESONet (Posting of payment will be next banking day; Minimum transfer amount and cut-offs depend on your (ex)bank)

Hope this helps! XOXO

Hi there, luv! Credit Builder is only available for Filipinos currently living and working in the Philippines. Don’t worry, we’ll have more loan products available in the future. XOXO

Hi there, luv! Stay cool. We just want to say hello to tell you more about your Credit Builder and confirm some details after you get your loan proceeds.

Be sure to keep your phone ready! We'll send you a text before calling. If you're not able to answer, we'll try again cause we're patient like that. XOXO

Hi there, luv! Partial repayment isn't available right now, but if you would like to repay your Credit Builder Loan early and in full, you may use the self-service early full settlement feature through the app's Loans Dashboard or even contact our Customer Care team through in-app chat for assistance. XOXO

Good question, luv! There are two ways you can pre-terminate your Credit Builder: 

1. You can settle your Credit Builder on your own in full by going to your Loans Dashboard and tapping on the "I want to close the loan" button. 

Take note that you'll need to have enough balance to pay it off in full. If not, we'll ask you to top-up your Tonik Account first. 

2. You can always advise our Customer Care hotline at +63253222645 and we will notify you of the amount to be paid to close your existing Loan. 

Hope this helps! XOXO

Hi there, luv! Yes, you can settle in full through our self-service early full settlement feature through the app's Loans Dashboard or just advise our Customer Care hotline at +63253222645, and we will notify you of the outstanding amount you have to pay to settle your existing Credit Builder Loan. XOXO

Yes you can, luv! Feel free to cancel your Credit Builder application by clicking on the door icon at the top right corner of your screen. Heads up, this will erase all the information you've previously entered and you can only do this before you get to the Terms and Conditions screen.

Don't worry if you've already passed the Terms and Conditions screen or if you've already been approved! Just wait for a few weeks and we'll automatically reset everything for you. XOXO

Good question, luv! Early or full settlement of your Credit Builder won't guarantee approval of your re-application. It would still depend on our analysis of your information and the payment history of your previous loan with us. If satisfactory, you can apply for another loan a day after fully paying off your previous one. Thanks for understanding, luv! XOXO

Hi there, luv! Please refer to the table below for the installment terms and the possible lowest monthly add-on interest rates for Credit Builder:

Exact interest rate and loan amount will be provided on the app upon application. Hope this helps! XOXO

Hi there, luv. Big Loan is currently unavailable for new applications . Please have a look at our other loan products https://tonikbank.com/shop-installment-loan. XOXO