Hi there, luv!

Credit Builder is Tonik's special loan tailored for those with limited credit history or lower credit scores. It helps you start small and work your way up by borrowing up to PHP 50,000 from your Tonik App within two days. Plus, it's a great way to build your credit with Tonik Bank for a brighter financial future!

XOXO

Hi there, luv! 

To qualify for Credit Builder you must be: 

• A Filipino Citizen residing in the Philippines
• Aged 23 – 58 years old
• Presently Employed / Self-Employed
• Have a valid ID

XOXO

Hi there, luv! To apply for Credit Builder, all you need is one valid ID and a Tonik Account. XOXO

Hi there, luv! You may borrow up to P50,000 from our Credit Builder. XOXO

Hi there, luv! Here are the applicable fees for Credit Builder: 

XOXO

Yes, luv.

Good question, luv! You can get approved for a loan in 2 days, as long as you are able to answer our call for identity verification. So be ready! XOXO

Hi there, luv! You'll see the status of your Credit Builder application on your Tonik App. Give it a peek to check if you've been approved already. XOXO

Hi there, luv! Your approval would depend on our analysis of data and risks provided during your application for Credit Builder. Each approval process is unique, depending on the data provided by applicants, so some might be able to, while some might not. Thanks for understanding, hun! XOXO

Hi there, luv! You'll be able to see your cash in your Tonik Account once you finish the post-approval questions and sign the Credit Builder documents. Hope this helps. XOXO

Hi there, luv! We try our best to schedule the Credit Builder due date as close as possible to our customers’ salary dates. But take note that customers do not have complete control over the exact due dates. Super thanks for understanding! XOXO

Hi there, luv! Unfortunately, you cannot change your due date and loan terms until you have finished repaying the full amount of your Credit Builder. If you haven't taken out a loan yet, make sure you set the right repayment date that allows you to manage your finances. XOXO

Hi there, luv! The amount will be debited from your Tonik Account on the date you have chosen as the due date. XOXO

Good question, luv! You may re-avail Credit Builder once your loan term is up. And guess what? If you keep paying on time, we've got some seriously awesome stuff waiting for you. So, don't let a repayment slip by, okay? XOXO

Hi there, luv! 

We'll automatically deduct your monthly Credit Builder repayment from your Tonik Account on your due date. And don't worry, we'll shoot you an SMS to let you know if it went through smoothly or if there were any hiccups along the way. 

Make sure to Top up your Tonik Account from the following channels in the App before the due date ends to avoid late fee charges: 

• Local Bank Debit Card (Minimum amount PHP 500)
• PESONet (Posting of payment will be next banking day; Minimum transfer amount and cut-offs depend on your (ex)bank)
• InstaPay (Minimum transfer amount and cut-offs depend on your (ex)bank)
• Link your GCash account to pay your loan here.

Hope this helps! XOXO

Hi there, luv! As long as your have a Credit Builder, your transaction fees are free! 

Please refer to the list of available channels below. 

• Local Bank Debit Card (Minimum amount PHP 500)
• PESONet (Posting of payment will be next banking day; Minimum transfer amount and cut-offs depend on your (ex)bank)

Hope this helps! XOXO

Hi there, luv! Credit Builder is only available for Filipinos currently living and working in the Philippines. Don’t worry, we’ll have more loan products available in the future. XOXO

Hi there, luv! Stay cool. We just want to say hello to tell you more about your Credit Builder and confirm some details after you get your loan proceeds.

Be sure to keep your phone ready! We'll send you a text before calling. If you're not able to answer, we'll try again cause we're patient like that. XOXO

Hi there, luv! Partial repayment isn't available right now, but if you would like to repay your Credit Builder Loan early and in full, you may use the self-service early full settlement feature through the app's Loans Dashboard or even contact our Customer Care team through in-app chat for assistance. XOXO

Good question, luv! There are two ways you can pre-terminate your Credit Builder: 

1. You can settle your Credit Builder on your own in full by going to your Loans Dashboard and tapping on the "I want to close the loan" button. 

Take note that you'll need to have enough balance to pay it off in full. If not, we'll ask you to top-up your Tonik Account first. 

2. You can always advise our Customer Care hotline at +63253222645 and we will notify you of the amount to be paid to close your existing Loan. 

Hope this helps! XOXO

Hi there, luv! Yes, you can settle in full through our self-service early full settlement feature through the app's Loans Dashboard or just advise our Customer Care hotline at +63253222645, and we will notify you of the outstanding amount you have to pay to settle your existing Credit Builder Loan. XOXO

Yes you can, luv! Feel free to cancel your Credit Builder application by clicking on the door icon at the top right corner of your screen. Heads up, this will erase all the information you've previously entered and you can only do this before you get to the Terms and Conditions screen.

Don't worry if you've already passed the Terms and Conditions screen or if you've already been approved! Just wait for a few weeks and we'll automatically reset everything for you. XOXO

Good question, luv! Early or full settlement of your Credit Builder won't guarantee approval of your re-application. It would still depend on our analysis of your information and the payment history of your previous loan with us. If satisfactory, you can apply for another loan a day after fully paying off your previous one. Thanks for understanding, luv! XOXO

Hi there, luv! Please refer to the table below for the installment terms and the possible lowest monthly add-on interest rates for Credit Builder:

Exact interest rate and loan amount will be provided on the app upon application. Hope this helps! XOXO

The interest rate can be as low as 4.20% monthly add-on rate, depending on your chosen installment term.

The Credit Builder Loan offers a monthly add-on interest rate as low as 4.20%, with payment terms of up to 12 months. Keep in mind that the actual rate may vary based on your chosen loan terms.

Hi there, luv! Get up to P100,000 with Tonik's Shop Installment Loan. Apply for a loan to get that appliance, gadget, furniture, and even gym equipment you want right from your Tonik App in just 30 minutes! XOXO

Deposits are insured by PDIC up to ₱1 Million per depositor.

Hi there, luv! Check out eligibility requirements for Tonik's Shop Installment Loan:

•    Filipino citizen residing in the Philippines

•    Ages 18 – 68 years old

•    Presently employed locally or receiving regular remittance from outside of PH

•    Have a valid ID

•    Must have sufficient funds for the down payment

XOXO

Deposits are insured by PDIC up to ₱1 Million per depositor.

Hi there, luv! You can apply for a Shop Installment Loan through the app, with the help of the store promoters at our partner stores.

1. Approach a store promoter at your chosen partner store.
2. Ask for a unique QR code. The store promoter can create one based on your desired items, loan amount, and loan term.
3. Scan the QR code using your phone.
4. Accomplish the loan application through the Tonik App.

Be prepared with the requirements, and don’t hesitate to ask the store promoters for assistance! XOXO

Deposits are insured by PDIC up to ₱1 Million per depositor.

Hi there, luv! Below is the list of requirements for Tonik's Shop Installment Loan:

• At least 10% of your item/s' total amount as down payment
• Any 1 of the accepted valid IDs
  • PhillD (National ID/PhilSys ID)
  • E-Phil ID
  • Philippine Passport
  • Driver’s License
  • UMID
  • SSS ID
  • PRC ID
  • Postal ID
• A fully-verified Tonik Account

XOXO

 

Deposits are insured by PDIC up to ₱1 Million per depositor.

Hi there, luv! You’ll receive an update on your approval via the Tonik App, then you’ll be asked to sign a few documents. Afterwards, you can head to the cashier and send a request for the Confirmation Code. It’s easy, you just have to click a button on the app!

Once you've paid the down payment, the cashier will then share this Confirmation Code with you so you can enter it into your app. Once that’s done, the cashier will receive a second SMS notifying them that the loan has been disbursed, and that you can now take home your item/s. From this SMS, you can also get your loan agreement number.

That’s all, luv. Happy shopping! XOXO

Deposits are insured by PDIC up to ₱1 Million per depositor.

Hi there, luv! You can use your Shop Installment Loan to purchase various products.  Here's a list of product categories you can choose from:

• Mobile Phones
• Television
• Audio (such as Speakers, sound bar, headset)
• PC, Laptop, Game Consoles
• Oven, Cooking Range, Griller
• Air Conditioner
• Refrigerator
• Dining Set, chairs, tables
• Sala set, couch, sofa bed
• Bed frames, Cribs
• Gym or Fitness equipment
• Small Appliances
• Accessories and Peripherals

XOXO

Hi there, luv! We have select partner stores for Tonik's Shop Installment Loan. Here are our partner stores:

• A2RJ
• Affordables
• Ansons
• ArkHome
• Chaivers Telecom
• Chrisrence Home Appliances
• Faith Glorious Fit
• FC Home Center
• First Fruit
• Gadgetmate
• Hazrat
• Home Along
• Home Factory Outlet
• Homeworks
• JCE Fone
• Jhunpyo
• JSL
• JTG Trading
• Junliz Appliance
• Junliz Mobile
• Kum Home
• Memo Express
• PHPS
• Power Mac Center
• Presnet
• Price Retail
• Prince and Aviel
• RCB Mobile
• Regs Fone
• Rosa Mobile
• Rulls
• Sogo Home
• VMax Mobile
• Willy & Sons
• Workstation
• Wyse
• Xtreme Appliances

See the complete list of our partner stores →

Hi there, luv! The monthly add-on rate for the Shop Installment Loan can range from 0.00% to 4.00%. XOXO

Hi, luv!,

For our 0% interest Shop Installment Loan, there's just a small 7% processing fee based on your loan amount.

As for our Shop Installment Loan with interest, we do not charge processing fees.

XOXO

Hi there, luv! It will only take you a couple of minutes for your Shop Installment Loan to be approved. XOXO

Hi there, luv! Yes, we do require a down payment, but it can be as low as 10%. Remember luv, the higher the down payment, the lower the add-on rate. So hurry and visit our partner stores today! XOXO

Hi there, luv! You can choose to repay your borrowed amount within 3, 4, 5, 6, 8,10 and 12 months. XOXO

Hi there, luv! You may borrow from Php 5,000 up to Php 100,000 from our Shop Installment Loan. XOXO

Unfortunately not, luv. Your loan will still follow the term and repayment based on your signed loan agreement. For a defective item, you can coordinate directly with the store you purchased it from. For stolen items, it's best to report this to the authorities for assistance. We do hope for your understanding, hun! XOXO

Hi there, luv! Your amount due will be deducted directly from your Tonik Account on your due date, so make sure that your Tonik Account is funded with your amount due to avoid late payment fees.

Want to know how to top up your Tonik Account? Visit the link below to learn more.
https://tonikbank.com/faq/how-can-i-deposit-my-tonik-account
XOXO 

Hi there, luv! You'll see the status of your Shop Installment Loan application on your Tonik App - Please check for a notification on the Tonik App. XOXO

Hi there, luv! Unfortunately, you cannot change your due date and loan terms until you have finished repaying the full amount of your Shop Installment Loan. If you haven't taken out a Shop Installment Loan yet, make sure you set the right repayment date that allows you to manage your finances. XOXO

Hi there, luv! The payments for your Shop Installment Loan will be debited from your Tonik Account on your due date. XOXO

Hi there, luv! Yes, you can apply for a new Shop Installment Loan as long as you have fully paid your previous one. Once you have no debt obligations you're cleared to apply for another one. XOXO

Hi there, luv! We will debit the monthly repayment from your Tonik Account on your due date. You will receive an SMS notification once the debit is a success or if it fails due to various reasons.

Make sure to Top up your Tonik Account from the following channels in the App before the due date ends to avoid late fee charges:

• Local Bank Debit Card (Minimum amount Php 500)
• InstaPay (Minimum transfer amount and cut offs depend on Issuing Bank)
• PESONet (Posting of payment will be next Banking Day; Minimum transfer amount and cut offs depend on Issuing Bank)
• Link your GCash account to pay your loan here.

XOXO

Hi there, luv! Yes. Unfortunately, there may be top-up fees depending on the channels you will select on top of your monthly repayments. Please refer to our Fees and Charges. XOXO

Hi there, luv! There are multiple reasons why Shop Installment Loan applications do not get approved. Our loan application process uses various parameters to come up with a Loan offer. It's not that you don't qualify for a loan - it's that we don't have the right kind of loan product to offer you at this time. XOXO

Hi there, luv! Thanks for letting us know. We hope you can report this to our Customer Care via in-app chat, tel:+63 253222645, or customercare@tonikbank.com. Super appreciate your patience, hun! Good luck with your Shop Installment Loan application. XOXO

Hi there, luv! It would depend on our analysis of data and risks provided during your application for Shop Installment Loan. Each approval process is unique, depending on the data provided by applicants, so some might be able to, while some might not. Super appreciate your patience, hun! XOXO

Hi there, luv! Please don't fret. Yes, it's legit. If you've received a call from our representatives, good news! We just want to say hello to tell you more about your Shop Installment Loan and confirm some details after you get your loan proceeds.

Be sure to keep your phone ready! We'll send you a text before calling. If you're not able to answer, we'll try again cause we're patient like that. XOXO

Hi there, luv! We have 2 options for you:

1. You can settle your loan on your own in full by going to your Loans Dashboard and tapping on the "I want to close the loan" button.

Just a reminder though that you'll need to have enough balance to pay it off in full. If not, we'll ask you to top-up your Tonik Account first.

2. You can always advise our Customer Care hotline at +63253222645 and we will notify you of the amount to be paid to close your existing Loan.

Hope this helps you out! XOXO

Yes you can, luv! Feel free to cancel your Shop Installment Loan application by clicking on the door icon at the top right corner of your screen. Heads up, this will erase all the information you've previously entered and you can only do this before you get to the Terms and Conditions screen.

Don't worry if you've already passed the Terms and Conditions screen or if you've already been approved! Just wait for 7 banking days and we'll automatically reset everything for you. Afterwards, you can re-apply for a Shop Installment Loan if you wish. XOXO

Hi there, luv! Sadly, you can't, because your loan application is tied with our partner stores. You can only purchase the item inside that specific partner store. XOXO

Hi there, luv! There is no limit to how many times you can resend the code. You can resend multiple times until the transaction's been done. Tonik Tip: Ask the cashier to move to a location with better telco signal so they can receive it with no issues! Hope this helps. XOXO

Hi there, luv! You can bundle up to three (3) items in one Shop Installment Loan. Just select the ones you want while applying through the Tonik App.

Make sure to calculate the total price of your item or bundle and enter the exact amount you need using our loan calculator! XOXO

Hi, luv! For our 0% interest Shop Installment Loan, there’s just a small 7% processing fee based on your loan amount. This will be equally distributed to your monthly installments.

Hi, luv! We have rolled out the Tonik Shop Installment Loan Zero Interest product in selected stores. See the complete list of our partner stores →
 

Hi, luv! The Tonik Shop Installment Loan Zero Interest product currently has no expiration date! Enjoy financing at zero interest at our partner branches today! XOXO​

Hi, luv! There might be two reasons for this:​
First, we do not charge the processing fee  (7% of the Financed Amount) upfront. The equivalent amount will be divided equally to your monthly installments.​ Second, check if you availed of our VAS PayHinga service since this is added to your EMI as well. (9.11% of the EMI)

Hey, luv! Shop Installment Loan (SIL) Ulit is a special loan offer for repeat SIL customers with a good credit history! Offering lower downpayment and interest rates, it’s our way of giving back to good borrowers! XOXO

Hi there, luv! You can apply for SIL Ulit through the app, with the help of our Purple Pros at our partner stores.

• Approach a Purple Pro at your chosen partner store.
• Mention that you have a valid SIL Ulit offer.
• Ask for a unique QR code. The Purple Pro can create one based on your desired items, loan amount, and loan term.
• Scan the QR code using your phone.
• Accomplish the loan application through the Tonik App.

Be prepared with the requirements, and don’t hesitate to ask our Purple Pros for assistance! XOXO. 

Hi there, luv! Here are the eligibility requirements:

• Filipino citizen residing in the Philippines
• Ages 18 – 64 years old
• Presently employed locally or receiving regular remittance from outside of the Philippines
• Have a valid ID
• Have existing loans to other sales financing company or the offer received from Tonik via Email/SMS

XOXO 

Hi there, luv! There are multiple reasons why loan applications do not get approved. Our loan application process uses various parameters to come up with a loan offer. It's not that you don't qualify for a loan - it's that we don't have the right kind of loan product to offer you at this time. XOXO 

Hi, luv! For the complete list of partners, you can check this link: https://tonikbank.com/shop-installment-loan/partner-stores

Hi there, luv! Below is the list of requirements for Tonik Shop Installment Loan (SIL) Ulit:  

• Your mobile device with a verified Tonik Account containing the offer tile "Achievement Unlocked!"
• Any 1 of the accepted valid IDs:
  • Philippine Passport
  • Driver’s License
  • UMID
  • SSS ID
  • PRC ID
  • Postal ID
  • PhilSys (National ID)
• A fully verified Tonik Account.

Hi, luv! The offer expires 30 days after you get the offer. You better hurry, luv! XOXO

Hi there, luv! You may borrow from Php 5,000 to Php 100,000! Neat, right? XOXO

Hi there, luv! Because you're special to us, it can be as low as 0%. But remember, the higher the down payment, the lower the add-on rate. Choose your downpayment wisely! XOXO

Hi there, luv! You can choose to repay your borrowed amount in 3, 4, 5, 6, 8, 10 and 12 months. Pick the best one that suits your needs! XOXO

We’re into it, luv. 💜

Tonik Solar Loan is a secured loan that helps you purchase and install a residential solar power system through a Tonik-accredited solar merchant—without paying the whole thing upfront.

This loan is meant to help you get your very first residential solar power system set up from scratch — panels, inverter/s, and battery/ies included, all sourced through an accredited merchant under the Tonik Solar Loan program. Just a heads up, it's designed for a full new setup rather than upgrades to a system you already have. Think of it as Tonik helping you catch your first ray of sunshine ☀️ — from purchase all the way to install. 💜

Here's the rundown, luvs:

• New or existing Tonik client — sana all, either way you're welcome
• Currently employed or running your own business
• Filipino citizen
• 23 to 64 years old upon loan maturity
• The lawful owner or occupant of the property where the solar equipment will be installed

One more thing — all applications are still subject to credit underwriting, so approval isn't automatic just because you check these boxes. 💜

Right now, you can borrow from ₱50,000 to ₱250,000 for your solar setup — the exact amount you get depends on your offer and approval, so it’s not a one-size-fits-all number. Just a heads up, this range isn’t set in stone forever. Tonik may adjust it under our prevailing risk policy. Thanks for understanding, luvs! ☀️💜

You’ve got options, luv — 24, 36, or 48 months, depending on your approved offer. (Just a heads up: Tonik may tweak these terms from time to time based on our risk policy.)

It’s gotta be from a Tonik-accredited solar merchant under our Tonik Solar Loan program — that’s how we keep things safe and smooth for you.

Once your loan is approved and we’ve given your merchant the green light to proceed, installation’s a go!

Not directly, luv — the loan proceeds go as a one-time credit straight to your accredited merchant’s settlement account, once all installation-based disbursement requirements are met. That way, your solar system gets paid for without you having to lift a finger.

After your loan is booked — that’s once your docs are signed, installation’s done, and the funds are disbursed to your solar partner — here’s what lands in your hands: your Promissory Note, Disclosure Statement, Amortization Schedule, and Security Agreement. Keep these safe, they’re the paper trail of your solar journey ☀️

As low as 1.36% monthly add-on — the exact rate depends on your approved offer.

Yep, minimum 10% down, subject to your loan arrangement. We won't expect you to shell out anything more than that for the downpayment!

Yes — 3% of your principal loan amount, paid monthly.

There’s a ₱500 late payment fee. We’d rather you didn’t have to think about this one, so set a reminder, luv!

Nope! Zero pre-termination fee for full early payment. Pay it all off whenever you’re ready, no penalty.

Once a month, on your agreed Installment Date. Your Amortization Schedule has all your dates mapped out through maturity. Here's a link to loan payment methods, luv![ Insert link to loan payment menthods]

Easy — pay straight from the loan tile in your Tonik App, or top up your Tonik Savings Account (TSA) before your due date so the payment is automatically debited from your TSA. You'd need to have the sufficient amount in your TSA though!

Absolutely, pay early anytime through the Tonik App.

Yes! Full early payment is available via the Tonik App or our Contact Center — just follow the process.

Not currently — partial prepayment isn’t available yet.

Once full settlement is confirmed, we release your Security Agreement within 7 days and update the collateral registry. Consider it official: that solar system is 100% yours.

PayHinga is an optional add-on that gives you a payment-holiday option, bundled with Credit Group Life and Credit Group Disability Insurance. A little breathing room when you need it 💜

Keep those payments consistent and on-time if you’re enrolled in PayHinga — specifics depend on your offer or contract terms.

Message us ASAP, luv. We’ll assess your account for possible remedial or restructuring options, subject to eligibility and approval. Contact us through the following channels:

• In-App Chat or Viber: Tonik Digital Bank
• Email: customercare@tonikbank.com
• Hotline: +63253222645 (via Mobile) or (02) 53222645 (via Landline)

Thanks for your patience! XOXO 

Past-due accounts go through our collection process — this can include reminders, collection communications, and demand notices depending on your account status.

Since your solar equipment secures the loan, we may need to recover it — but only if your account becomes seriously delinquent and we’ve already worked through remedial efforts together without success. It’s truly a last resort, not a first move.

Under our current Foreclosure Policy, formal asset recovery may start once an account hits 90 Days Past Due (DPD), or another approved threshold, always subject to review and process.

No, never as a first move. Repossession is a last resort — we always try collection, and where possible, restructuring or other remedial solutions first.

Yes, you can request a voluntary surrender before a forced pull-out. It is subject to assessment, settlement terms, and approval. Just contact our Customer Care team to proceed, luv.

• In-App Chat or Viber: Tonik Digital Bank
• Email: customercare@tonikbank.com
• Hotline: +63253222645 (via Mobile) or (02) 53222645 (via Landline)

Thanks for your patience! XOXO 💜

Not automatically — the equipment’s value gets assessed against your outstanding balance, and final settlement depends on the approved agreement.

There may be a deficiency balance left over, and Tonik retains the right to pursue collection of that remaining amount through applicable means.

Since it’s collateral under your Security Agreement, please talk to Tonik first before selling, transferring, removing, or disposing of it.

All your loan info and payment options live right in the Tonik App, and your Amortization Schedule is there too once your loan is booked.

Please click the link to see step-by-step instructions for Flex Up exclusive loan offer.

Please click the link to see step-by-step instructions for Reloan exclusive loan offer.

Please click the link to see step-by-step instructions for SIL Repeat exclusive loan offer.

Hi, luv! If you received an offer notification but can’t see it in your dashboard, try to restart the app and login again to refresh the offers in your dashboard. If you still can’t see the offer, ensure your app is updated to the latest version to reflect new offers.