Credit Builder

Build Credit For Your Financial Ever After.​

google play app store
Start small, score big
High loan amount
Start small, start NOW

No immediate need for a loan? No problem, luv! Establishing a good credit history today sets the stage for future financial benefits, helping you secure better deals when it's time for those big life moments.

No hidden bank fees
Building Credit, Simplified

Your Tonik Account is key to easy credit building. Regular payments, saving with a Stash, and everyday transactions can all contribute to your credit score. This means you’ll be eligible for the loan you need, when you need it.

Safe and secure
Secure your Financial Future

Take the first step towards a strong financial future. Start building your credit with us, and be ready for whatever comes next.

Let’s Make Credit History Together
You might not get your loan approval on your first try, but don't worry. By using your Tonik Account regularly, you can build it simply through: 
Regular payment transfers

Regular payment transfers

Topping up

Topping up

Saving with a Stash

Saving with  a Stash

Using our Virtual and Physical Card for your transactions and payments

Using our Virtual and Physical Card for your transactions and payments. 

Start building your credit with us now, and together, we can build a strong financial future! 

How to get a Credit Builder from Tonik Bank:​
Download app
1. Download the Tonik App

Complete the onboarding process. When you have a Tonik Account, click the Loans tile and tap on Credit Builder Loan.

upload documents
2. Upload requirements

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

accept
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
  • Filipino nationality
  • Philippine resident
  • Valid ID
  • Tonik Savings Account
  • Minimal requirements
  • Valid Taxpayer Identification Number (TIN)
You can apply up to P20,000 with up to a maximum term of 12 months

How much do you need?

Max amount ₱20,000

Choose an installment period
6
mos
9
mos
12
mos

Your monthly installments

Your monthly installments

1,078.84

Actual amount may change

Note: Credit Builder Loan Interest Rate can be as low as 4.84% monthly add-on rate with payment terms of up to 12 months.
Get more from your Credit Builder Loan with our new service
payhinga

Eligibility and Requirements

Hi there, luv! The insurance plan is available to all Tonik borrowers who meet these criteria: 
  • Be in good health
  • 18 to 65 years old
  • Meet the minimum loan amount requirement
  • Fill out required declaration form
Follow these steps to add
PayHinga to your Credit Builder Loan
Digital Phone
1. Open your Tonik App, go to Loans > Credit Builder Loan 
upload documents
2. Upload requirements
submit your requirements
3. Submit your requirements and click “I’m ready!”
Installment
4. Choose your installment period and click "Continue with PayHinga."
read the details
5. Read the details of Tonik PayHinga and click "I want to be protected." 
Accept
6. Read the summary of your loan application and click "Sweet, I accept" 
on-time payment
7. Once you have 3 consecutive on-time payments, you can activate PayHinga on your loan dashboard and enjoy your payment holiday!
Check out the installment terms and add-on interest rates here
Note: Actual interest rate will depend on the loan installment term.
Get a Credit Builder Loan now!