Hi there, luv! Tonik's Quick Loan is a fast and easy loan product. Apply for a loan within 2 days and easily get access to extra cash of up to P250K right from your Tonik App. XOXO

Deposits are insured by PDIC up to P500,000 per depositor.

Hi there, luv! You can quickly check eligibility for Quick Loan below:

• Filipino Citizen residing in the Philippines
• Ages 23 – 58 years old
• Presently Employed
• Have a valid TIN and valid ID

XOXO

Deposits are insured by PDIC up to P500,000 per depositor.

Hi there, luv! Below is the list of requirements for a Quick Loan:

• 1 Valid ID
• Tonik Account

XOXO

Deposits are insured by PDIC up to P500,000 per depositor.

Hi there, luv! You may borrow up to P250,000 from our Quick Loan. XOXO

Hi there, luv! The monthly add-on interest rate for Quick Loan can be as low as 1.7%. The actual monthly add-on rate will depend on your loan terms, from 6 to 18 months. Don’t forget to check your loan documents while applying to see your specific interest rate! XOXO

Yes, luv! You can apply for your loan anytime, anywhere! XOXO

Deposits are insured by PDIC up to P500,000 per depositor.

You can get approved for a loan in 2 days, as long as you are able to answer our call for identity verification. XOXO

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

Hi there, luv! It would depend on our analysis of data and risks provided during your application for Quick 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! You'll be able to receive the cash right away as long as you go through completing the post-approval questions and Quick Loan documents signing. Once done, you'll see your Quick Loan funds on your Tonik Account already. XOXO

Hi there, luv! You have control over your Quick Loan due date schedule. That means you must choose your due date, one that allows you to manage your finances. XOXO

Hi there, luv! Unfortunately, you cannot change your due date and loan terms until you have finished repaying the full amount of your Quick Loan. 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! Early or full settlement of your first loan will not guarantee approval of a reloan, but it will increase your chances of it. It would still depend on our analysis of your information and the payment history of your previous loan with us. If satisfactory, Tonik will immediately reach out to you and offer you a reloan once qualified. XOXO

Hi there, luv! We will debit the monthly Quick Loan 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)
• PESONet (Posting of payment will be next Banking Day; Minimum transfer amount and cut offs depend on Issuing Bank)
• InstaPay (Minimum transfer amount and cut offs depend on Issuing Bank)

XOXO

Hi there, luv! As long as your have a Quick Loan, your transaction fees are free! Please refer to the list of available channels below. XOXO

• 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 Issuing Bank)
• Is there a fee if I top-up my Tonik account? (Quick Loan with linked card and without linked card)

Hi there, luv! Our Quick Loans product is currently for Filipinos living and working in the Philippines. Learn more about our loans products below. Don’t worry, we’ll have more loan products available in the future. XOXO

Hi there, luv! Stay cool. If you've received a call from our representatives, good news! We just want to say hello to tell you more about your loan and verify your documents before we disburse right into your Tonik Account.

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 Quick 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

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

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

Kindly 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 you out! 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 Quick Loan. XOXO

Yes you can, luv! Feel free to cancel your Quick 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 a few weeks and we'll automatically reset everything for you. XOXO

Hi there, luv! Stay cool. We just want to say hello to tell you more about your Quick 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

Hey luv, we may need to ask for your income documents. For the requirements listed below, you just need to choose any one (1) from the following.

Bank Statement

• shows your transaction history for the entire past month
• shows your full name, account number, and the bank's name

Payslip

• was issued last month
• shows your salary for one month
• shows your full name and the company's name

Certificate of Employment

• was issued last month and signed by your HR or payroll department
• shows your income
• shows your full name and the company's name
• ITR
• should be ITR 2316
• covers 12 months of the previous year
• has a BIR stamp or has a signature from your present employer or an authorized agent
• shows your full name and the company's name

Good question, luv! Early or full settlement of your Quick Loan 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 luv! Check out the installment terms and add-on interest rates for Quick Loan below.​​​

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 P500,000 per depositor.

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

•    Filipino citizen residing in the Philippines

•    Ages 18 – 60 years old

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

•    Have a valid TIN and valid ID

•    Must have sufficient funds for the down payment

XOXO

Deposits are insured by PDIC up to P500,000 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 P500,000 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 P500,000 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 P500,000 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:

• 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

XOXO

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

• Automatic Centre
• FC Home Center
• Home Along
• Jhunpyo
• KServico
• Xtreme Appliances
• Workstation
• Faith Glorious Fit
• Homeworks
• Kum Home Center
• Affordables
• A2RU

See the complete list of our partner stores →

Hi there, luv! The monthly add-on rate for the Shop Installment loan can range from 2.00% to 4.00%. The higher the downpayment, the lower the add-on rate. XOXO

Hi, luv! We don’t charge any processing fees for now, but we do require at least a 10% down payment. The higher the down payment, the better! 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 from 3 to 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)

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

Hey, luv! Big Loan is Tonik's multipurpose loan for your business and personal needs. Apply for a Big Loan now: https://tonikbank.com/big-loan

Hi there, luv! You can quickly check eligibility below:

• Filipino citizen
• Ages 23–55 years old
• Presently employed - minimum 6 months with current company
• Self-employed (Business Owner and Licensed Professional w/ valid PRC ID) minimum of 2 years
• Owns a residential property (condo unit, house and lots, vacant lots, townhouses, apartments, etc) in Metro Manila and nearby provinces (Cavite, Laguna, Rizal, and Bulacan) with clean title
• Has a valid TIN and valid ID (PhilID (National ID/PhilSys ID), ePhilID, Philippine Passport, Driver’s License, UMID, SSS ID, PRC ID, or Postal ID)

Apply for a Big Loan now: https://tonikbank.com/big-loan

Hi there, luv! Below is the full list of requirements for Big Loan:

For Employed Borrowers with less than P3M loan amounts, a photo/screenshot of any one of the accepted Proof of Income documents is required:

• Latest Payslip for 3 months
• Certificate of Employment (COE)

For Employed Borrowers with equal to or more than P3M loan amounts, an ITR and any one of the accepted Proof of Income documents in required:

• ITR
• Latest Payslip for 3 months
• Certificate of Employment (COE)

For Self-employed Licensed Professionals:

• PRC ID
• ITR
• 6 months bank statement

For Self-employed Borrowers or Business Owners:

• DTI registration or Mayor's permit or SEC registration
• 6 months bank statement

Documentary requirements to support marital status, whichever is applicable:

• For Married Borrowers: Valid ID of Spouse & Marriage Certificate
• For Widowed Borrowers: Marriage Certificate & Death Certificate of Spouse*
• For Annulled Borrowers: Final Court Order on Legal Declaration of Nullity of Marriage*

Documentary requirements to support property ownership:

• Original copy of Condominium Certificate of Title*/ Transfer Certificate of Title
• Tax Declaration and full year Tax Clearance (latest original copies)*
• Lot plan with Vicinity Map / Appraisal report for House and Lots/Lots
• Photos of the Property

Please be advised that we may ask for additional documents to support your loan application.

Hope this helps, luv. When you’re ready, apply for a Big Loan now: https://tonikbank.com/big-loan

Hi there, luv! You may borrow from PHP 250,000.00 to PHP 5,000,000.00 with Tonik's Big Loan. XOXO

Hi there, luv! You can choose to repay your borrowed amount within 12, 24, 36, 48, or 60 months. XOXO

Hi there, luv! Our monthly add-on rates start from 0.92% to 0.98% depending on your loan terms and documents provided. Your rates will be fixed throughout the entirety of your loan term. Hope this helps, luv! 

Hi there, luv! The applicable fees to be deducted from the proceeds of your approved Big Loan are as follows:

Loan Admin fee:

• 0.374% monthly against loan amount

One-time fees:

• Processing Fee of Php 5,000
• Document Stamp Tax of Php 1.50 for every Php 200 of the Loan Amount
• Registration fee of 1.5% of the Loan Amount

Upon release and annually thereafter:

• Mortgage Redemption Insurance Premium of PHP 4 for every PHP 1,000 of the loan amount
• Property Insurance Premium of 0.095% of the loan amount + applicable taxes

Other fees:

• Pre-termination Fee - 5% of the outstanding loan amount (if applicable)
• Late payment fee of PHP 2,500 (if applicable)

That’s all, luv! XOXO

Yes, luv! Since we're a neobank, you can apply anytime and anywhere through the Tonik App. Apply now: https://tonikbank.com/big-loan

Hi there, luv! It would depend on our analysis of data and risks provided during your application for Big 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! Your borrowed amount will be credited to your Tonik Account immediately after you complete your requirements, including availment of insurance, and after you sign your loan documents at the Tonik Purple Hub. XOXO

Hi there, luv! Our Tonik Hub is located at Unit 605-B, 6/F West Wing, The Estancia Offices, Meralco Avenue, Pasig City 1605 PH.

Please don't forget to bring two valid IDs as you will need one for the Tonik Hub, and another one to leave with the guard once you enter The Estancia Offices. XOXO

Hi there, luv! Upon application, you can choose your preferred due date to allow you to manage your finances. XOXO

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

Hi there, luv! The payments for your Big Loan will be debited from your Tonik Account on the date you selected as your preferred due date. XOXO

Hi there, luv! Unfortunately, advance payments for Big Loan are not yet allowed at this time. XOXO

Hi there, luv! If you want to settle in full, please advise our Customer Care hotline +63253222645 ASAP and we will notify you of the amount to be paid to close your existing Loan. This may include a late payment fee of Php 2,500, if applicable. Hope this helps! XOXO

Hi there, luv! Yes, just advise our Customer Care hotline +63253222645, and we will notify you of the outstanding amount you have to pay to settle your existing Big Loan. XOXO

Hi there, luv! Yes, you can apply for a new Big Loan as long as you have fully paid your previous one. Once you have no debt obligations you may go 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 through 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 Issuing Bank)

XOXO

Hi there, luv! Yes. Unfortunately, there will be top-up fees based on some channels you will select on top of your monthly repayments for Big Loan.

You can see the latest fees here:

https://tonikbank.com/fees-and-charges/

Hi there, luv! There are multiple reasons why loan applications do not get approved. Our loan application process uses various parameters other than the documents you provided 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

Yes, luv! Your Big Loan is subject to Mortgage Redemption Insurance, as well as Property Insurance. Insurance Premiums are to be paid by the Borrower. XOXO

Hi there, luv! Mortgage Redemption Insurance (MRI) is a term insurance coverage for the loan borrower with the Bank as the beneficiary. Banks typically require borrowers to have an MRI when granting loans with a property collateral. For example: in case of death of the borrower, having an MRI avoids foreclosure of the mortgaged property at a time when financial support is needed most. XOXO

Hi there, luv! Property Insurance is a form of insurance, the benefits of which, when payable, are used to pay the outstanding loan of the insured, and/or to cover the expenses in case of partial damage/loss of the property used as collateral to the loan. Our property insurance is different from the existing Property Insurance provided by the condo developer, which is for the structure and standard deliverables of the developer. Our insurance is not a duplication of that, but rather it is on the content and improvements the owner has added to the unit. To keep things simple, your unit is covered based on the amount of the loan. In case of complete damage/loss of the property, having Property Insurance will secure full payment of the outstanding loan. XOXO

Hi there, luv! Tonik is partnered with Manulife Philippines for Life/Mortgage Redemption Insurance and Mercantile Insurance for Property Insurance. XOXO

No, luv. For now, we don’t accept any endorsed life or non-life policies from other insurance companies apart from the accredited insurance partners of the bank. XOXO

Hi there, luv! Your initial insurance coverage/s is for one year and is renewable every year until your loan is fully paid. Upon renewal, the amount of your insurance coverage will change based on your updated loan balance at the time when the renewal notice is prepared. XOXO

Hi there, luv. As proof of your insurance coverage/s, you shall be provided a Certificate of Insurance which contains details of your insurance coverages upon release of the loan. XOXO

Hi there, luv! Kindly contact our Customer Care hotline +63 253222645 to inquire about your current policy status. XOXO

Hi there, luv! Your insurance renewal coverage will be based on your Outstanding Loan Balance. XOXO

Hi there, luv! Yes, Tonik and/or our insurance partner will send you a renewal notice by post and e-mail, 30 and 60 days prior to your renewal month. This notice contains your premium amount due, coverage amount and other details relating to your insurances. We may also send premium due reminders through SMS and/or call to your Tonik-registered number. Upon payment of your renewal premiums, Tonik and/or our insurance partner will send you a new Certificate of Insurance, which contains details of your renewed insurance coverages. XOXO

Hi there, luv! The initial premiums for your first year of insurance coverages are deducted to the loan proceeds when loan is granted. For the renewal, the premium amount shall be automatically debited from your Tonik Account on its due date. XOXO

Yes, luv! Your Insurance Renewal Premiums have a 31-day grace period, so you can still pay your premium within 31 days from the due date of your premium renewal. XOXO

Hi there, luv. Your mortgage redemption insurance and property insurance will cover your loan balance. Please note that your loan agreement with Tonik requires you to secure a mortgage redemption insurance and property insurance, so in case you miss your renewal premium payments, Tonik may pay your insurance premium. However, please note that this will be subject to additional interest charges. XOXO

Hi there, luv! You can contact our Customer Care hotline +63 253222645 to guide you on the process. XOXO

Hi there, luv! You can contact our Customer Care hotline +63 253222645 to guide you on the process. XOXO

Yes, luv! Your insurance coverages will be terminated when you no longer have any outstanding balances on your loan. XOXO

Hi there, luv!

Tonik Hub will sakekeep your Certificate of Title during the loan duration. It will be released upon full repayment.

XOXO

Hi there, luv! You can apply for a new loan as long as you have fully paid your previous one. Once you have no debt obligations you may go apply for another one. XOXO

Hi there, luv! A co-borrower is a person who shares the liability of a loan with the primary borrower. That means both of them are responsible for loan repayments. In Big Loan, the co-borrower should be the spouse of the primary borrower. In this case, they should also share ownership of the condominium title.

Hi there, luv! A co-borrower is a person who shares the liability of a loan with the primary borrower. That means both of them are responsible for loan repayments. In Big Loan, the co-borrower should be the spouse of the primary borrower. They should also share ownership of the condominium title. Hope this helps! XOXO

Hey, luv! Check out the eligibility for co-borrowers below:

• Legally married to the primary borrower
• Filipino Citizen
• Ages 23–55 years old
• Presently employed/self employed/business owners
• Owns a residential property with the Primary Borrower in Metro Manila and nearby provinces (Cavite, Laguna, Rizal, and Bulacan) with a clean title
• Has a valid TIN and valid ID

Hey, luv! For condo units in Metro Manila, an appraisal report is not required. For other types of residential property in Metro Manila and Greater Manila, a property appraisal report is required. Hope this helps, luv! XOXO 

Hi there, luv! It will take up to 5 business days for your loan to be pre-approved as long as it has the complete initial requirements.

Check out the requirements here: https://tonikbank.com/faq/requirements-quick-loan

XOXO

Hi there, luv! It will take up to 5 business days for your loan to be pre-approved as long as it has the complete initial requirements.

Check out the requirements here: https://tonikbank.com/faq/requirements-quick-loan

Thanks for being patient with us, luv!

XOXO

Hey, luv! You can apply as long as you meet the following requirements:

• Application must be lodged while in the Philippines
• Only Filipino citizenship is allowed
• 3 years of continuous engagement
• Apostille Certificate of Employment with Compensation issued in the three (3) most recent months including application month
• Pay slips from the three (3) most recent months (a total of 6 pay slips for bi-weekly payroll) including application month
• Bank Statement of Account in the last 6 completed months

We can't wait for your Big Loan application, luv! XOXO