Apply for a loan in 30 minutes. Get up to P50,000 immediately.

Secure fast and easy, no collateral loans from a digital bank.

Apply for a Quick Loan now

Loan Product Features


Fast approval in 30
minutes and real-time
disbursement to your
Tonik Account

No credit history and
no collateral needed

Loan amount from
P5,000 to P50,000



Minimal documents
required - only 1 valid
ID
and 1-month
payslip

Flexible payment date
- your preferred salary payout date

6, 9, 12, 18, or 24
months installment



100% digital - all loan info can
be seen on the Tonik App

Cash out the full loan amount
real-time

One bank account for
application and cash disbursement






Fixed monthly interest rate of
7%*


*Enjoy a lower monthly interest
rate of 5.42% when you link your
salary payroll ATM card

No pre-termination or early
payment fees

Top up your main account. Get
auto-debited on your due date
I want to link my card

Link your salary payroll card and enjoy a lower monthly interest rate of 5.42%

How much do you need?

Max amount P50,000

Choose an installment period
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Your monthly installments

Your monthly installments

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Actual amount may change

Let's see if you're a perfect match, luv!

Simply fill out our form and find out if you qualify for a Tonik Loan.

Are you a Filipino?
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Are you 23 years old and above?
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Are you employed?
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Do you live in the Philippines?
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Do you have one of these government-issued ID?
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Do you have a valid salary payroll card?
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Do you have a 1 month pay slip or payroll account bank statement?
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Deposits are insured by PDIC up to P500,000 per depositor.