Hi luv. The ₱50 transaction fee is charged by our payment partner to process the transaction securely. This applies only to GCash payments made directly within the Tonik app.

Your existing Time Deposits above Php100,000 will remain active and it will still earn the agreed interest upon maturity. However, it will NOT auto-rollover and the rollover button is removed.

Your existing 12-month Time Deposits will remain active and it will still earn the agreed interest upon maturity. However, it will NOT auto-rollover and the rollover button is removed.

Please note that once all your 12-month Time Deposits mature, that's the only time you can create a new 12-month Time Deposit.

Hi there, luv! The Pay Button is the Tonik App’s newest feature that allows borrowers to pay for their monthly installment amount due immediately.   

All payments made even before the due date will be accepted and will be subsequently posted to your loan account on your chosen installment date. Awesome right? XOXO 

Yes, luv! You can pay for your Quick Loan, Flex Loan, Flex Up Loan, Reloan, Shop Installment Loan, or Big Loan using the Pay Button. Hope this helps! XOXO 

If you paid before your due date, the amount paid via channels (except for PESONet and InstaPay)  will be held and reserved for the sole purpose of loan repayment. The reserved payment will earn 1% interest until it’s applied and posted to your loan on your due date, as early as 12 midnight.  

For payments made on the due date, these will be automatically posted to the loan as soon as it’s authenticated. Hope this helps! XOXO 

Hi there, luv! Our payment channels have varying transaction limits. Your chosen channel might be grayed out if it has a set transaction limit less than your monthly installment amount.  

If you wish to use a specific channel that’s grayed out, you can break your payments then top up these amounts to your Tonik Account. Super thanks for understanding, luv! XOXO 

Hi there, luv! We are accepting only full monthly payments through the Pay Button as of this moment. Please stay tuned as we work on accepting more payment types in the future. Super thanks for understanding, luv! XOXO 

Hi there, luv!

If you paid before your due date, it will automatically be credited to your loan account.

If you paid before your due date, via any payment channel aside from PESONet or InstaPay, your payment will be reserved and held until your chosen installment date. This means that your payment will earn the same 1% interest rate as that of keeping the money in your Tonik Savings Account, but it will be automatically posted and applied to your loan on the due date, as early as 12 midnight.   

That’s hassle-free, interest-earning, loan payments for you, luv! XOXO

Hi there, luv! You can only pay for full monthly payments through the Pay Button as of now. Please stay tuned as we work on accepting more payment types in the future. Super thanks for understanding, luv! XOXO 

Yes, luv! Loan payments made before the due date will earn 1% interest. XOXO

Hi there, luv! Interest earned from early loan payments will be credited to your Tonik Account every end of each month. You can also check your monthly Statement of Account or your Tonik App’s Transaction History if you wish to see your interest earnings. Hope this helps! XOXO 

Yes, you can! Your payment will be posted immediately. Hope this helps! XOXO 

Yes, luv! We will still accept late payments made through the Pay Button. Your payment will be immediately posted and applied to your loan as soon as it has been authenticated.   

However, please take note that you may be charged with a late payment fee if you missed your due date. Super thanks for understanding, luv! XOXO 

Hi there, luv! As soon as your loan payment has been authenticated, its sole purpose is to be posted and applied to your loan on your chosen installment date.   

Think of it as one less worry for you, since it will be automatically applied to your loan without you needing to access your Tonik Account anymore. The reserved payment will also earn 1% interest, which will be credited to your Tonik Account every end of each month. Super thanks for understanding, luv! XOXO 

Yes, luv! You can still pay for your loan by topping up your Tonik Account through your chosen cash-in channel. Top Up and transfer fees from your (ex)bank to your Tonik Account may apply. Hope this helps! XOXO 

Hi there, luv! You will see the Pay Button in your Tonik App dashboard only if you have an active loan with Tonik.   

If your loan just got approved, you will first see the Pay Button seven days before your first due date.

You will also not see the Pay Button if you’ve already made an early payment. It will be available again after your due date. 

Hope this helps! XOXO 

We have measures (policies and procedures, IT security, etc.) in place that ensures the confidentiality and integrity of your personal data and how they are processed. Our internal policies are also kept up to date with regulations and market developments.​
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We also ensure that the use of personal information complies with the Data Privacy Act of the Philippines. You may learn more by reading through our Data Privacy Policy Statement.

Hey, luv! We will retain your Data for the following periods in accordance and consistent with the BSP Regulations:​

1. Retention period for transaction records shall be five (5) years from the date of transaction except where specific laws and/or regulations require a different retention period, in which case, the longer retention period is observed.​

2. For financial data and documents which indicate taxable transactions, data shall be preserved for ten (10) years per BIR Regulation.​

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After the expiration of the imposed retention period as abovementioned, we will either:​

1. securely and permanently delete or destroy the relevant personal data; or​

2. anonymize or de-identify them.​

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We ensure that the use of personal information is in compliance with the Data Privacy Act of the Philippines. You may learn more by reading through our Data Privacy Policy Statement.​