Hey, luv! The Flex XL loan term starts at 6, 9, 12, 18, and 24 months. XOXO

Hi there, luv! The monthly add-on interest rate for Flex XL loan can be as low as 2.01%. The actual monthly add-on rate will depend on your loan amount and the loan terms, from 6 to 24 months.

Don’t forget to check your Loan Documents while applying to see your specific interest rate!

XOXO

Hi there, luv! Got a little surprise waiting? Peek into your inbox or open your Tonik App to see if Flex XL’s knocking at your door! If it’s there, just say yes, upload the docs, and breeze through the loan quiz to seal the deal. XOXO

Good question, luv! You can get that “yes” in as fast as 3 days — just make sure to pick up when we call for your ID check, and tell your employer to expect a quick love tap from us too. Be ready, we’re rooting for you! XOXO

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

No, you don’t need to present an ID to open an account. If you do not have any of the accepted IDs at the point of registration, you may still register by skipping the ID upload step.

However, the account created will only have a P50,000 balance limit, P100,000 total aggregate credit limit, and a 12-month validity period. This means that once you hit the balance or total aggregate credit limit, you may not be able to top up, receive money from other people or banks, and unstash your Stash. The said balance limit, total aggregate credit limit, and validity period will only be lifted once you are able to upload one of the accepted IDs via the application.

Hi there, luv! Your approval would depend on our analysis of data and risks provided during your application for the Flex XL Offer. 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 loan documents. Hope this helps. XOXO

Hi there, luv! We try our best to schedule the 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 Flex XL Offer. 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

Hey, luv! If you click on “Pay Now” and make a payment before your due date, you will get a notification that Tonik has received your payment. It will automatically get posted to your loan account on your due date. On the other hand, if you clicked “Pay Now” on or after your due date, your payment will be immediately credited to your loan account. Hope this helps. XOXO

Good question, luv! You may re-avail of another loan once your Flex XL Offer 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

Yes you can, luv! Feel free to cancel your Flex XL Offer 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

Hi there, luv! Partial repayment isn't available right now, but if you would like to repay your Flex XL 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 Flex XL:

1. You can settle your Flex XL 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 +63 2 5322 2645 and we will notify you of the amount to be paid to close your existing loan.

Hope this helps! XOXO

Yes, luv! Just download and prepare the Letter of Authority so we can quickly move forward with the verification. XOXO

1. Do not use a camera flash to avoid taking a bright photo.
2. Do not cover any part of your ID.
3. Make sure the whole ID is within the frame.

No, luv! You can still enjoy the full P250,000 amount even if you chose to rollover for another term. Cheers, luv!

Not at all luv! All existing P250,000 Time Deposits created prior July 1, 2025 will not be affected. Meaning customer's Time Deposit maximum amount will not be reduced come maturity.

Sorry, luv! You cannot open a new 6-month Time Deposit yet because you have an active one. We only allow one (1) active 6-month Time Deposit at a time.

​Wait for it to mature first before you open a 6-month Time Deposit again.