Good question, luv! You may re-avail Quick Loan, now 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 Quick Loan 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 Quick Loan, 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! Quick Loan 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

Stay cool, luv.

If you've received a call from our representatives, good news! We just want to say hello to tell you more about your loan and verify your documents before we disburse right into your Tonik Account. 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 Quick 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 Quick Loan:

1. You can settle your Quick Loan 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 Quick Loan. 

XOXO

Yes you can, luv!

Feel free to cancel your Quick Loan 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! Stay cool. We just want to say hello to tell you more about your Quick Loan 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

Good question, luv!

Early or full settlement of your Quick Loan 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 luv! Check out the installment terms and add-on interest rates for Quick Loan below.​​​

Hope this helps! XOXO

Hi there, luv! Get up to P100,000 with Tonik's Shop Installment Loan. Apply for a loan to get that appliance, gadget, furniture, and even gym equipment you want right from your Tonik App in just 30 minutes! XOXO

Deposits are insured by PDIC up to ₱1 Million per depositor.

Hi there, luv! Check out eligibility requirements for Tonik's Shop Installment Loan:

•    Filipino citizen residing in the Philippines

•    Ages 18 – 68 years old

•    Presently employed locally or receiving regular remittance from outside of PH

•    Have a valid ID

•    Must have sufficient funds for the down payment

XOXO

Deposits are insured by PDIC up to ₱1 Million per depositor.

Hi there, luv! You can apply for a Shop Installment Loan through the app, with the help of the store promoters at our partner stores.

1. Approach a store promoter at your chosen partner store.
2. Ask for a unique QR code. The store promoter can create one based on your desired items, loan amount, and loan term.
3. Scan the QR code using your phone.
4. Accomplish the loan application through the Tonik App.

Be prepared with the requirements, and don’t hesitate to ask the store promoters for assistance! XOXO

Deposits are insured by PDIC up to ₱1 Million per depositor.

Hi there, luv! Below is the list of requirements for Tonik's Shop Installment Loan:

• At least 10% of your item/s' total amount as down payment
• Any 1 of the accepted valid IDs
  • PhillD (National ID/PhilSys ID)
  • E-Phil ID
  • Philippine Passport
  • Driver’s License
  • UMID
  • SSS ID
  • PRC ID
  • Postal ID
• A fully-verified Tonik Account

XOXO

 

Deposits are insured by PDIC up to ₱1 Million per depositor.

Hi there, luv! You’ll receive an update on your approval via the Tonik App, then you’ll be asked to sign a few documents. Afterwards, you can head to the cashier and send a request for the Confirmation Code. It’s easy, you just have to click a button on the app!

Once you've paid the down payment, the cashier will then share this Confirmation Code with you so you can enter it into your app. Once that’s done, the cashier will receive a second SMS notifying them that the loan has been disbursed, and that you can now take home your item/s. From this SMS, you can also get your loan agreement number.

That’s all, luv. Happy shopping! XOXO

Deposits are insured by PDIC up to ₱1 Million per depositor.

Hi there, luv! You can use your Shop Installment Loan to purchase various products.  Here's a list of product categories you can choose from:

• Mobile Phones
• Television
• Audio (such as Speakers, sound bar, headset)
• PC, Laptop, Game Consoles
• Oven, Cooking Range, Griller
• Air Conditioner
• Refrigerator
• Dining Set, chairs, tables
• Sala set, couch, sofa bed
• Bed frames, Cribs
• Gym or Fitness equipment
• Small Appliances
• Accessories and Peripherals

XOXO

Hi there, luv! We have select partner stores for Tonik's Shop Installment Loan. Here are our partner stores:

• A2RJ
• Affordables
• Ansons
• ArkHome
• Chaivers Telecom
• Chrisrence Home Appliances
• Faith Glorious Fit
• FC Home Center
• First Fruit
• Gadgetmate
• Hazrat
• Home Along
• Home Factory Outlet
• Homeworks
• JCE Fone
• Jhunpyo
• JSL
• JTG Trading
• Junliz Appliance
• Junliz Mobile
• Kum Home
• Memo Express
• PHPS
• Power Mac Center
• Presnet
• Price Retail
• Prince and Aviel
• RCB Mobile
• Regs Fone
• Rosa Mobile
• Rulls
• Sogo Home
• VMax Mobile
• Willy & Sons
• Workstation
• Wyse
• Xtreme Appliances

See the complete list of our partner stores →