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Tonik Bank Flex Loan

If you are employed and have an ATM card, then Tonik Bank Flex Loan is for you. Get cash quickly and save on low interest rates.

  • icon Interest Rate
    Interest rate (p.a.)
    20.52% - 21.48%
  • icon Min. monthly income
    Loan Tenure
    0.5 - 2 years
  • icon Min. monthly income
    Approval Duration
    1 day approval
  • icon Min. monthly income
    Min. monthly income
    ₱ 15,000

Loan Calculator

icon New Base Rate Loan Calculator

Monthly salary 15000
Interest Rate
You Pay
Total Interest Payable
Total Amount Payable

Whats so great about Tonik Bank Flex Loan?

  • High maximum loan amount up to ₱250,000

  • No hidden fees

  • Quick approvals in 1 day

  • Up to 24 months installment period

  • As low as 1.7% monthly add-on interest rate

Product Features

Min. Financing Amount ₱20,000
Max. Financing Amount Up to ₱250,000
Max. Loan Tenure 6 months
Max. Loan Tenure 24 months
Interest Rate contractual rate of 2.49% monthly
Approval Duration as fast as 24 hours

Fee & Charges

One time set up
Processing Fee ₱1,000 one-time fee, deducted upon cash disbursement
Late Payment Charges Monthly repayments are also subject to ₱500 late payment fees, if applicable.


Employment eligibility Filipino Citizen
Employment eligibility Have a valid TIN and valid ID
Employment eligibility Have a bank account with another bank

Other Requirements

Need to open linked bank account? yes

Review by iMoney

How much can I borrow?

With a Tonik Digital Bank Loan, borrow as much as ₱250,000, subject to approval.

How much is the interest rate, fees, and other charges of the Tonik Flex Loan?

It will be 2.49% monthly add-on interest rate and a one-time processing fee of ₱1,000 which will be deducted upon cash disbursement.

How does the Tonik Flex Loan Calculator work?

The Tonik Digital Bank Loan calculator computes the estimated cost of borrowing and the amount of payment per installment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.

What are the Tonik Flex Loan Requirements?

You can flex with Tonik Digital Bank Loan as long as you meet the elegibility requirements below:

  • Filipino Citizen
  • Ages 23 – 58 years old
  • Presently Employed
  • Have a valid TIN and valid ID
  • Have a bank account with another bank
  • ATM Card
  • Latest Bank Statement of Account
  • Tonik Savings Account
  • Proof of Income:
    • BIR Form 2316
    • Latest payslip
    • Certificate of Employment

How long will it take to know if your Flex Loan application got approved?

If you’re able to answer a call from Tonik Bank team, you’ll be able to know your application status in just one (1) banking day!