Borrow up to
₱
₱
2.5
2.5
million
in only 7 days*
Just cash in on the value of your home. After all, big dreams start with a Big Loan.
*Disclaimer: Loan approval time depends on how soon customer can submit requirements.
Loan Product Features
Borrow up to ₱2,500,000
Get up to 60 months installment
Fast pre-approval in 30 minutes
7-Day Loan Disbursement Guarantee
No credit history required
No credit card required
Get as much as ₱2,500,000 with up to 60 months installment period
How to get a Big Loan:
1. Get pre-approved on your App
It takes 30 minutes to get pre-approved for a Big Loan on Tonik. Fill up all the needed information.  
2. Upload your required documents on the App​
You can find all the requirements you need here.
3. Expect a call from our credit team
They'll be getting in touch to verify your information. Do give your building administrator and employer a heads up to ensure a smooth verification process, since our credit team will be contacting them for property and employment verification!
4. Wait for your approval notification on the App
Got it? Yay! Go get ready for your visit to the Tonik Hub for final steps.
5. Submit pending documents at the Tonik Hub site
Bring all needed documents to the Tonik Hub. Loan disbursement happens here as well. Woot! Go for that big dream, luv!
Note: Tonik will keep your copy of the Condominium Certificate of Title throughout the entire duration of the loan.

Frequently Asked Questions →

Documents to prepare:
To be uploaded on your Tonik App
  • Your valid ID
  • For married borrowers: Your spouse's valid ID and your Marriage Certificate
  • Latest 3 months bank statements and pay slips
  • Scanned copy of the Condominium Certificate of Title
  • Photos of your condo unit
  • Your valid ID
  • For married borrowers: Your spouse's valid ID and your Marriage Certificate
  • Latest 3 months bank statements and pay slips
  • Scanned copy of the Condominium Certificate of Title
  • Photos of your condo unit
    • To be submitted at the Tonik Hub
  • Original copy of the Condominium Certificate of Title
  • Real Estate Tax Clearance
  • Condominium Association Dues Certificate
  • For widows or widowers: Spouse's Death Certificate 
  • For annulled borrowers: Final Court Order on Legal Declaration of Nullity of Marriage ​
  • Original copy of the Condominium Certificate of Title
  • Real Estate Tax Clearance
  • Condominium Association Dues Certificate
  • For widows or widowers: Spouse's Death Certificate 
  • For annulled borrowers: Final Court Order on Legal Declaration of Nullity of Marriage ​
    • The Tonik Hub Experience
    Big Loan Ads
    Step 1
    Got approved on the app?
    YASS! Our friendly agent will call you to schedule an appointment at our Tonik Hub whenever you're free.
    YASS! Our friendly agent will call you to schedule an appointment at our Tonik Hub whenever you're free.
    Step 2
    Give us a sec to check
    When you head to the Tonik Hub with all your files, our Master of Documents will greet you and review your requirements. This'll take a few minutes, so have some of our refreshments while waiting!
    Step 3
    Signed, sealed, delivered
    If your requirements are complete, our Master of Documents will hand you the loan documents for your review and signing. We’ll also be keeping your Condominium Certificate of Title for the entire duration of the loan!
    Step 4
    Get insured!
    Up next, we'll be enrolling your account for the required insurance. Don't worry, because our Master of Documents will guide you through filling up the forms.
    Step 5
    Loan disbursement approved!
    Woohoo! Complete the loan journey on your app and e-sign the forms there to get your money disbursed on your Tonik Savings Account.
    Step 6
    And that's it!
    Our Master of Documents will hand you your acknowledgement receipt. You can also expect your documents to be forwarded via email. Yay!