Borrow up to ₱100,000 when you visit our partner stores now and pay later.
In-store shopping made quicker, easier and better!
Apply for a Shop Installment Loan now
You'll be redirected outside of the Tonik website.
We wish you a smooth app download!
Get the tonik app

Scan the QR code to download the app

bnpl
You want it?
You got it! Purchase these items with a Tonik Shop Installment Loan in a partner store.
aircon
AC
tv
TV
ref
Refrigerator
laptop
Laptop
oven
Ovens
washing
Washing Machine
Shop Installment Loan Product Features
Purchase up to 3 items with 1 loan
Minimum of 10% downpayment with zero processing fees
Fixed monthly interest rate of 4.5%
Minimal documents required - only 1 valid ID
Loan amount from ₱5,000 to ₱100,000
Flexible payment date - your preferred due date
No credit history and no collateral needed
3, 6, 9, and 12 months installment
100% digital - all loan info can be seen on the Tonik App
Want to pay earlier? Don't worry, we won't charge you for that!
Top up your main account. Get auto-debited on your due date
What is Tonik Shop Installment Loan?

Ready to buy now, pay later, and stress never? Then the Tonik Shop Installment Loan is the one for you.


Bring home the gadgets and appliances you need (and want) without watching your bank balance go down faster than your last relationship!


Shop at Tonik’s partner retails stores and borrow up to ₱100,000 with this in-store loan made exclusively for Filipinos.


Just click through the Tonik app, apply for the amount you need, and pay it back in fixed monthly installments for up to 12 months.


By the way, we’re BSP-licensed and PDIC-insured, so shop smart and secure from a transparent and legit neobank.


The catch? None. We’re just 100% digital, 0% drama.

How to get a Shop Installment Loan:
1. Download the Tonik App

Complete the onboarding process. Once done, head to one of our partner stores and pick out the item/s that you want.

2. Approach a Store Promoter

Click “Loans” on your Tonik App and select “Shop Installment Loan.” Then, ask a store promoter (in purple attire) for your unique QR code.

3. Scan QR Code​

Scan the QR code using your phone. You’ll then see your loan summary in the Tonik App. Make sure all details are correct.

4. Complete the Loan Application

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


 

5. Accept the Offer​

Double check your loan details, accept the offer if you agree, and virtually sign the necessary documents.

6. Finalize Your Purchase

Complete the transaction and get the confirmation code from the cashier, then enter it on the app. Finally, wait for the cashier to confirm your purchase !

Frequently Asked Questions →
Terms and Conditions →
You can apply for as much as ₱100,000 with up to 12 months installment period

How much do you need?

Max amount ₱100,000

Choose an installment period
3
mos
6
mos
9
mos
12
mos

Your monthly installments

Your monthly installments

₱ 1,818.87

Actual amount may change

Note: Shop Installment Loan Annual Percentage Rate (APR) is at 54%.
Minimum loan installment term is 3 months and maximum is 12 months.

Not the right loan for you?
We’ve got other loan products you can check out. Find the ideal one just for you!
View another Tonik Loan →

Let's see if you're a perfect
match, luv!

Simply fill out our form and find out if you qualify for a Shop Installment Loan.

Are you a Filipino?
Are you 18 years old and above?
Are you employed?
Do you live in the Philippines?
Do you have a government-issued ID?
Get more from your Shop Installment Loan with our new service
payhinga

Follow these steps to add PayHinga to your Shop Installment Loan
Digital Phone
1. Open your Tonik App, go to Loans > Shop Installment Loan
Calendar Payment
2. Input your loan amount and installment period and click "Continue with PayHinga."
DEtails
3. Read the details of Tonik Payhinga and click "I want to be protected."
4. Read the summary of your loan application and click "Sweet, I accept"
Cocktail
5. Once you have 3 consecutive on-time installments, you can activate PayHinga on your loan dashboard and enjoy your payment holiday!
Frequently Asked Questions →

Eligibility

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
If you meet the eligibility criteria and don't fall into the excluded groups, you can take part in the insurance plan. XOXO
handshake
Interested to become one of our retail partners?
Please shoot us a message at liquidcourage@tonikbank.com
to know how. XOXO
Apply for a Shop Installment Loan now!
Google Store Apple Store
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!
Deposits are insured by PDIC up to ₱1 Million per depositor.