Complete the onboarding process. Once done, head to one of our partner stores and pick out the item/s that you want.

Click "Loans" on your Tonik App and select "Shop Installment Loan." Then, ask a store promoter (in purple attire) for your unique QR code.

Scan the QR code using your phone. You'll then see your loan summary in the Tonik App. Make sure all details are correct.

Provide the required information and documents. Follow all on-screen instructions.

Double check your loan details, accept the offer if you agree, and virtually sign the necessary documents.

Complete the transaction and get the confirmation code from the cashier, then enter it on the app. Finally, wait for the cashier to confirm your purchase!