Why you've received an Upgraded Loan offer
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You're a loyal Tonik customer.
This is exclusive to select, existing customers.
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You've been repaying your loan on time.
Shows you're a responsible borrower, we love that.
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Your Tonik account is in good standing.
Pay on time, be eligible for more. Deserve!
The better your track record, the sweeter your offers can get.
What's Tonik Upgraded Loans?
Tonik Upgraded Loans reward loyal customers who are responsible borrowers with better loan offers over time. You may receive pre-qualified offers based on your repayment behavior. Start small, win big!
Tip! Your repayment history can secure your future.
- Apply for your first Tonik loan.
- Pay on time to build good credit history.
- Unlock Upgraded Loan offers.
- Get your extra cash instantly!
Just pay off your previous one
We'll settle your active loan for ya
With a repeat shop installment offer
Compare Upgraded Loan Types
Reloan
Start fresh with a new loan
- What: New cash loan offer
- Who this is for: Qualified customers who've already finished paying a previous eligible Tonik loan
Flex Up
Get extra cash without waiting
- What: Exclusive cash loan offer
- Who this is for: Select customers with existing or active Tonik loans
- How it works: Part of your new loan amount settles your current balance, while the rest will be disbursed to your Tonik account
Instant SIL Reloan
Finance a new item on your list
- What: Pre-approved Shop Installment Loan
- Who this is for: Repeat customers who need instant financing for another in-store item
Why you should be excited for Upgraded Loan offers
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Unlock higher loan amounts over time
Get more once you've built your credit!
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Enjoy flexible loan choices made just for you
We match your needs and profile.
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Stay fully digital within the Tonik app
No long lines, no long applications. Just a few clicks!
Progress is key – get rewarded for how you borrow over time!
Take your Upgraded Loan even higher!
Select customers may unlock the Premium Upgraded Loan offer and get higher amounts, more flexibility.
- Get higher loan amount offers
- Customized offer based on your profile
- Access more flexible payment terms
Previously ₱50,000
| Loan Term | Up to 24 months |
| Rate | Based on your profile |
| Disbursement | Same-day (via app) |
How to get Upgraded Loans
Have you been a good borrower? Then you might have an Upgraded Loan offer already!
Open Tonik app and check- Build a good repayment history
- Receive Upgraded Loan offer in the app
- Review your loan details
- Get your cash in minutes
Tips to get Upgraded Loan offers
Have good repayment behavior
Pay your monthly dues on time
Use your Tonik account responsibly
Save and transact with Tonik
Be ready for checks
This is to assess your account's eligibility for offers.
Loving reminder: Eligibility guidelines may change over time, 'kay?
How much do you need?
Max amount ₱50,000
Your monthly installments
Your monthly installments
Actual amount may change
Got an offer and need help?
Flex Up guide
Step-by-step to claim your extra cash while you have an active loan
Reloan guide
Step-by-step to get your fresh cash after paying off your previous loan
SIL Repeat guide
Step-by-step to claim your repeat installment loan without reapplying
Yes, you can, luv! Through Tonik Upgraded Loans, qualified customers with a good repayment history may get an exclusive offer in the Tonik app. If you keep building your credit score with Tonik, you can be pre-qualified to unlock a higher loan amount of up to ₱250,000. We'll come to you with an offer, just sit back, relax, and pay loans on time.
The secret? Just be a good borrower, luv! Tonik Upgraded Loan offers are automatically extended to select loyal customers based on their repayment history and credit standing. If you qualify, you'll get notified via the Tonik app. No long forms, no lines, no stress. Just open your app and check if an Upgraded Loan offer is waiting for you! XOXO
Good question! Let's break it down, luv.
- Reloan – fresh cash for customers who have already fully paid off their previous Tonik loan. Think of it as a reward for finishing strong.
- Flex Up – extra cash for customers who still have an active Tonik loan they're paying. Part of your new approved amount will be used to settle your existing balance, and whatever's left? That's yours to use however you like.
Both are 100% in-app: no long application forms, no waiting, and no drama. Check your Tonik app, an upgrade may be waiting for you.
Hey, luv! Tonik Upgraded Loans are available to select existing Tonik customers who've been good borrowers – those who have good repayment behavior (paying loans on time) and Tonik account standing. Eligibility is assessed internally, so not everyone will receive an offer. But just keep building your credit and you might just find one waiting for you in the app. Note that eligibility criteria may change over time, 'kay? XOXO
Hi, luv! Once you accept your Upgraded Loan offer in the Tonik app, funds may be credited to your Tonik Account quickly because fast cash is kind of our thing. *wink* Check your specific offer in the app for the exact disbursement timeline. XOXO
Hey, luv! Tonik Upgraded Loans are for existing customers who've already shown a good repayment history with Tonik. But hey, everyone starts somewhere! Get your first Tonik Loan, make consistent on-time payments monthly, and you might just unlock an Upgraded Loan offer later on. We'll be watching (in the best way possible). XOXO
Hi there, luv! Taking out any loan, including a Tonik Upgraded Loan, may be reflected in your credit records, as is standard for all regulated lending. The good news? Paying it off consistently is actually one of the best things you can do for your credit history. So borrow wisely and pay on time to stay on the right track! For more details, check out our Terms and Conditions or reach out to us via in-app chat. XOXO
You might already have an offer waiting.
Open your Tonik app to check if you qualify
Check my Upgraded Loan offerNo application needed. Just open your app.
