Credit Builder

Build Credit For Your Financial Ever After.
Start with a P20,000 Loan today!

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We wish you a smooth app download!

Start small, score big

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.

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.

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

Topping up

Saving with a Stash

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:

1. Download the Tonik App

Complete the onboarding process. Prepare 1 Valid ID. When you have a Tonik Account, click the Loans tile and tap on Credit Builder Loan.

2. Apply for a Credit Builder Loan

Follow all on-screen instructions on the Tonik App screen and fill out the questions.

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) for employed and self-employed

Frequently Asked Questions Terms and Conditions

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

₱ 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

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 58 years old
Meet the minimum loan amount requirement
Fill out required declaration form

More on eligibility here

Follow these steps to add
PayHinga to your Credit Builder Loan

1. Open your Tonik App, go to Loans > Credit Builder Loan

2. Upload requirements

3. Submit your requirements and click “I’m ready!”

4. Choose your installment period and click "Continue with PayHinga."

5. Read the details of Tonik PayHinga and click "I want to be protected."

6. Read the summary of your loan application and click "Sweet, I accept"

7. Once you have 3 consecutive on-time payments, you can activate PayHinga on your loan dashboard and enjoy your payment holiday!

Frequently Asked Questions

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!

Get the tonik app

Scan the QR code to download the app

You'll be redirected outside of the Tonik website.
We wish you a smooth app download!

Credit Builder

Build Credit For Your Financial Ever After.​ Start with a P20,000 Loan today!

Get the tonik app

Get the tonik app

Build Credit For Your Financial Ever After.
Start with a P20,000 Loan today!