Borrow up to ₱100,000 when you visit our partner stores now and pay later.
In-store shopping made quicker, easier and better!
Apply for a Shop Installment Loan now
You want it?
You got it! Purchase these items with a Tonik Shop Installment Loan in a partner store.
Washing Machine
Shop Installment Loan Product Features
Purchase up to 3 items with 1 loan
Minimum of 20% downpayment with zero processing fees
Fixed monthly interest rate of 4.5%
Minimal documents required - only 1 valid ID
Loan amount from ₱5, 000 to ₱100, 000
Flexible payment date - your preferred due date
No credit history and no collateral needed
3, 6, 9, and 12 months installment
100% digital - all loan info can be seen on the Tonik App
Want to pay earlier? Don't worry, we won' t charge you for that !
Top up your main account. Get auto-debited on your due date
How to get a Shop Installment Loan:
1. Download the Tonik App
Complete the onboarding process. Once done, head to one of our partner stores and pick out the item/s that you want.
2. Approach a Store Promoter
Click “Loans” on your Tonik App and select “Shop Installment Loan.” Then, ask a store promoter (in purple attire) for your unique QR code.
3. Scan 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.
4. Complete the Loan Application
Provide the required information and documents. Follow all on-screen instructions.
5. Accept the Offer​
Double check your loan details, accept the offer if you agree, and virtually sign the necessary documents.
6. Finalize Your Purchase
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 !
You can apply for as much as ₱100, 000 with up to 12 months installment period

How much do you need?

Max amount ₱100,000

Choose an installment period

Your monthly installments

Your monthly installments


Actual amount may change

Note: Shop Installment Loan Annual Percentage Rate (APR) is at 54%.
Minimum loan installment term is 3 months and maximum is 12 months.

Not the right loan for you?
We’ve got other loan products you can check out. Find the ideal one just for you!
View another Tonik Loan →

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

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

Are you a Filipino?
Are you 18 years old and above?
Are you employed?
Do you live in the Philippines?
Do you have a government-issued ID?
Interested to become one of our retail partners?
Please shoot us a message at
to know how. XOXO
Apply for a Shop Installment Loan now! Google Store Apple Store

Deposits are insured by PDIC up to ₱500,000 per depositor.