Go wild, luv — you can refer up to ten friends!

Any new-to-Tonik friend who gets a Credit Builder Loan = another bonus on your scoreboard.

Patience, luv!

You'll both get your bonuses once your friend applies for a Credit Builder Loan, gets approved, and the loan is disbursed. That’s when the magic happens.

Not yet hun — registration alone isn’t enough. Your friend needs to grab a Credit Builder Loan first to unlock the bonuses.

Head over to Profile → Friends with Benefits.

You’ll see:

1. All the bonuses you’ve earned
2. What’s ready to claim

Check this page to track your FwB “career,” luv!

Easy — tap “Claim Now” inside your FwB page and your entire available bonus will fly straight into your Tonik Savings Account, real‑time.

This usually happens if your loan is past due or if your Tonik account is suspended.

But don’t worry hun, we can still fix this by making sure your past due loan is settle. And your Claim button will pop right back to life.

Your code takes a timeout when you’re past due, luv. That means your friend will see an error message, but they can continue signing up without a code.

Once your payments are back on track (but not exceeding 30 days past due), your code jumps back into action and you can refer again other friends.

Sadly, no.

If the code doesn’t work, the referral doesn’t count.

So luv, stay on top of your payments so you and your friends can enjoy that bonus.

Here’s the breakdown, luv:

Incorrect code? Double-check the spelling and try again.

Invalid code? That means the code isn’t eligible anymore. Just skip the field and continue sign-up like the smooth friend you are.

Nope — we keep everyone’s privacy on lock.

But don’t worry hun, your rewards will still show whenever a referral is successful. That’s a promise.

No. Your referral status is tied to your Tonik account, not your device.

If you settle it before 30 days past due, then yes! Your eligibility will return, and your Claim Now button will reactivate.

But if you go beyond that, then you’re permanently out of the program and any unclaimed rewards will be forfeited. We need some boundaries, luv.

This happens if your loan got 30 days past due. At that point, your eligibility to the program ends for good, and any rewards you have not claimed are forfeited automatically.

You actually receive several reminders, including:

• Notifications as soon as you go past due
• Alerts when your code becomes temporarily disabled
• And a final message if you're past due for 30 days already, explaining permanent ineligibility

We make sure you’re kept in the loop, hun!

FwB rewards are tied to good repayment habits.

If your past due reaches 30 days, the rules require forfeiting all unclaimed rewards.

This keeps the program fair, responsible, and sustainable for the Tonik community.

Yes luv. You can still pay your loan using:

• GCash Bills Payment
• GCash one-time payment inside the Tonik app

Yes luv. A ₱50 transaction fee will apply when you use GCash one-time payment inside the Tonik app.

The recommended way is through InstaPay QR or GCash Bills Payment, where you can pay your loan without a transaction fee.

Yes luv. You can avoid fees by using:

• GCash Bills Payment
• InstaPay QR, InstaPay, PESONet, OTC Cash-In Partners
• ECPay kiosks and OTC partner outlets such as 7-Eleven, Cebuana Lhuillier, MLhuillier, Palawan Express