Tonik: Online Loans & Savings

Innovative. Passionate. Customer-first. That's Tonik. We are a digital bank that is dedicated to revolutionizing the way money works in Southeast Asia. Our goal is to provide fast, easy, and secure transactions for our customers, with a team of experienced bankers who are always available to take care of their financial needs. As a neobank, we offer 24/7 services to help our customers achieve their financial goals, including our Tonik Credit Builder.

The Tonik Credit Builder is designed to be your partner in your financial journey. By using your Tonik Account, you can start building a strong credit history with just a few taps. Through timely payments, consistent savings, and daily transactions, you can unlock financial opportunities that were once out of reach. This will pave the way for you to live your best financial life.

Our Tonik Credit Builder offers a range of features to help you achieve your financial goals:

• Fast approval and real-time disbursement to your Tonik Account
• No credit history or collateral needed
• Minimal documents required - only 1 valid ID and a Tonik Account
• Flexible payment date - choose your preferred salary payout date
• Monthly add-on interest rates as low as 4.84%
• 6, 9, and 12 months installment options
• 100% digital - all loan information can be viewed on the Tonik App
• Cash out the full loan amount in real-time
• One bank account for application and cash disbursement
• No pre-termination or early payment fees
• Convenient and various repayment options

Our Annual Percentage Rate (APR) is 95%. Tonik is a licensed and regulated digital bank by the Bangko Sentral ng Pilipinas and a member of PDIC. We are committed to providing our customers with a seamless and secure banking experience, and we are always looking for ways to innovate and improve our services. Join us today and let's make credit history together with the Tonik Credit Builder.