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Tonik Bank Quick Loan

Secure fast and easy, no collateral loans from a digital bank.

  • icon Interest Rate
    Interest rate (p.a.)
    50.88% - 54.60%
  • icon Min. monthly income
    Loan Tenure
    0.5 - 2 years
  • icon Min. monthly income
    Approval Duration
    24 hours
  • icon Min. monthly income
    Min. monthly income
    ₱ 0

Loan Calculator

icon New Base Rate Loan Calculator

Monthly salary 0
Interest Rate
You Pay
Total Interest Payable
Total Amount Payable

Whats so great about Tonik Bank Quick Loan?

  • Fast approval and real-time disbursement to your Tonik Account

  • Loan amount from ₱5,000 to ₱50,000

  • No credit history and no collateral needed

  • Minimal documents required - only 1 valid ID

  • As low as 4.26% monthly add-on interest rate

  • 6, 9, 12, 18, or 24 months installment

  • No pre-termination or early payment fees

Product Features

Min. Financing Amount ₱5000
Max. Financing Amount Up to ₱50000
Min. Loan Tenure 6 months
Max. Loan Tenure 24 months
Interest Rate As low as 4.26% monthly add-on interest rate
Approval Duration as fast as 24 hours

Fee & Charges

One time set up
Processing Fee ₱500 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 residing in the Philippines
Employment eligibility Have a valid TIN and valid ID

Other Requirements

Need to open linked bank account? no

Review by iMoney

How much can I borrow?

With a Tonik Quick Loan, borrow as much as ₱50,000, subject to approval.

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

It will be 7% monthly add-on interest rate and a one-time processing fee of ₱500 which will be deducted upon cash disbursement. Monthly repayments are also subject to Php 500.00 late payment fees, if applicable.

How does the Tonik Quick Loan Calculator work?

The Tonik Quick 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 Quick Loan Requirements?

You can quickly check eligibility and requirements for Quick Loan below:

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

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

You can get approved for a loan in as quick as 30-minutes, as long as you are able to answer Tonik's call for identity verification. You'll see the status of your Quick Loan application on your Tonik App.