Get cash quickly and save on low interest rates.
Flex your new purchases with a Tonik Flex Loan now!
*Disclaimer: Length of loan approval will depend on how soon the customer is able to provide all required documents.​
*Disclaimer: Length of loan approval will depend on how soon the customer is able to provide all required documents.​
If you are employed and have an ATM card, then Flex Loan is for you.
High maximum loan amount
No hidden fees
Safe and secure- compliant with Data Privacy and BSP regulations
How to get a Flex Loan:
1. Download the Tonik App
Complete the onboarding process. When you have a Tonik Account, click the Loans tile and tap on Flex Loan.
2. Upload Requirements
Provide the required information and documents. Follow all on-screen instructions.
3. Accept the Offer
Confirm your loan details, accept the offer if you agree, and virtually sign the necessary documents.
4. Wait For Loan Disbursement
The full loan amount will be disbursed to your Tonik Account in no time. That’s all, luv. Enjoy!
Eligibility and Requirements
  • 23 to 58 years old
  • Minimum monthly income: P15,000
  • Filipino nationality
  • Philippine resident
  • Valid ID
  • Tonik Savings Account
  • Bank Statement of Account (SOA)​
  • Bank ATM
  • Valid Taxpayer Identification Number (TIN)
  • Proof of Income
  • 23 to 58 years old
  • Tonik Savings Account
  • Minimum monthly income: P15,000
  • Bank Statement of Account (SOA)
  • Filipino nationality
  • Bank ATM
  • Philippine resident
  • Valid Taxpayer Identification Number (TIN)
  • Valid ID
  • Proof of Income
  • You can apply for as much as P250,000 with up to 24 months installment period

    How much do you need?

    Max amount ₱250,000

    Choose an installment period
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    Your monthly installments

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    Actual amount may change

    Note: Flex Loan Annual Percentage Rate (APR) is at 29.99%.
    Minimum loan installment term is 6 months and maximum is 24 months.
    Get a Flex Loan now!
    Deposits are insured by PDIC up to P500,000 per depositor.