Tonik Bank - Loan up to 50000 PHP - Review

  • Tonik Quick Loan offers an easy, convenient way to get up to ₱50,000 you need.
  • A person is a Philippines citizen and 18+ years old.
  • Has at least 1 id and has a mobile number.
  • Has a job or self-employed.
Get loan


Loan rate per day

24 month

Possible term days


Max amount PhP


Consideration mins
Tonik Bank - Loan up to 50000 PHP - Review

What is Tonik Quick Loan?

Do away with hassles and lengthy paperwork as you apply for the loan in just minutes from a secure digital bank. Plus, there is flexible period options of up to 24 months so that you can find the best installment plan according to your financial needs. With Tonik Quick Loan whatever you wish or need should be within reach. Get started now and live life on your own terms!

Look no further than Tonik Quick Loan for convenience and quick cash needs:

  • A minimal loan amount of ₱5,000 with a maximum of ₱50,000 is all you need.
  • Straightforward loan offers are available such as 6 to 24 months installment and a fixed interest rate of 7%.
  • You can easily apply in seconds and be approved in minutes - real-time!
  • The best part is that no credit history or collateral is required.
  • All it takes is one valid ID with minimal documents needed on the digital platform.
  • Even better, you are able to choose the preferred salary payout date and have full access to your loan info on our Tonik App.
  • Cash out the full loan amount quickly with the same bank account used during application.
  • No pre-termination fees involved!

Get the help that you need now with Tonik Quick Loan.

Tonik Quick Loan

FAQ about Tonik Quick Loan

What is Quick Loan?

Taking out a loan doesn't have to be complicated with Tonik Quick Loan. They offer an easy loan solution that makes it possible to access up to ₱50,000 in just a few clicks. This is much faster than the traditional bank loan process and enables those who need money quickly to get it without having to go through arduous paperwork or background checks. Tonik Quick Loan provides Filipinos with an affordable way to borrow and get back on their feet again when times are tough.

Who can apply for Quick Loan?

If you're 23 to 58 years old, have a valid TIN and ID and are currently employed, you could be eligible for a Quick Loan. It's easy to check eligibility online – just fill out their short questionnaire with some basic information and find out if you're approved within moments.

What are the Tonik loan requirements for Quick Loan?

All you need to qualify for it is a valid ID and your Tonik Account.

What is the amount I can avail for Quick Loan?

We understand life happens and that's why we offer hassle-free financing to Filipinos. With our Quick Loan, you can avail from Php 5,000 up to Php 50,000 depending on your individual needs and goals.

For how many months can I pay a Quick Loan?

Quick Loan by Tonik Philippines comes with convenient repayment terms that bring you peace of mind. You can pick from 6, 9, 12, 18, or 24 months to pay off your loan depending on the amount you want to borrow. Each option ensures your financial flexibility and improves your budget planning for whatever purpose you need fast cash for.

What is the interest rate for Quick Loan?

The monthly contractual rate for this loan is 7%, an Annual Percentage Rate (APR) of 84%. You never have to worry about changes in interest rate when you sign up.

What is the interest rate for Quick Loan?

To ensure that applicants have the best experience possible and not be burdened by unreasonable fees when taking out a loan, our Processing Fee is only Php 500.00. It is reassuring to know that this fee is only deducted once at cash disbursement; so customers can plan their budget accordingly before applying for the loan. We also take into account of any late payments with a flat fee rate of Php 500.00 as well should it occur, so you can rest assured that Tonik has your back with your budget planning.

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

With application processing times that can be as quick as 30-minutes, we make sure that when you need funds, you don't have to wait too long. Once your application has been submitted and approved, you will be notified of our next steps. Before disbursing funds, we call applicants for verification of identity to ensure everything is legitimate and secure. That's why it's important to keep your contact information up to date during your application process.

What is Tonik Bank Philipines?

Tonik Bank Philippines is a digital-first bank that provides customers with fast, convenient and secure financial services. It was designed to provide smarter, easier access to banking products and remove the idea of traditional banking from its offering. With Tonik Bank Philippines, users can get access to a range of tailored services such as savings accounts, debit cards, budgeting tools and more.

The commitment to innovation and convenience means it's running ahead of the competition by offering an improved banking experience that puts its customers first. Whether customers are looking for a modern alternative to traditional banking or just want their money safe, Tonik Bank Philippines is a great option.

If you need some extra cash, Tonik Bank is the perfect place to get your loan application approved quickly and easily. With just a few simple steps online, it's possible to apply for up to ₱50,000 in minutes. Plus, since Tonik Bank specializes in providing loans to all types of credit backgrounds, you can be sure of getting a quick response and personalized customer service. What's more, you don't have to worry about hidden fees or lengthy paperwork - loan approvals are incredibly fast and simple with Tonik Bank!

So why don't you take this opportunity today to secure your financial future?

What types of loan products does the Tonik Bank provide?

Tonik bank offers a wide selection of loan products to meet your specific financial needs. Our signature product is the Variable Rate loan, which allows customers to enjoy low initial interest rates. We also provide Fixed Rate loans for those looking for certainty over their repayment schedule, as well as Balloon loans with reduced monthly payments and a large final repayment at the end of the loan period.

We even offer Hybrid loans, which bring together the advantages of both fixed rate and variable rate plans in one product. Tonik Bank is dedicated to finding solutions that fit your lifestyle, so feel free to explore our loan options--we’re here to help you make the best decisions for you and your family!

How to Create a Tonik Account

Creating a Tonik account is an easy, straightforward process. Simply download the app from the App Store or Google Play Store and launch it on your device. Following the steps to input your Philippine mobile number and read through the Terms and Conditions, you’ll be prompted to enter the OTP sent to your phone for authentication. After this step, you'll be asked to take a photo of yourself for verification purposes.

Be sure that the area is well-lit, the background is plain with nothing obscuring your face (glasses, mask) and that the photo is taken in portrait mode with your face within the purple oval frame. Lastly, remember to follow any instructions indicated in-app while taking the photo - such as nodding or shaking your head - for successful completion of registration.

What Is the Most Convenient Way to Repay Your Tonik Loan?

Paying back your Tonik Loan is easy and straightforward. You can choose to use the auto-debit feature, where your monthly amount is automatically deducted from your enrolled payroll ATM card on the due date you have set - perfect for a Quick Loan linked card. Alternatively, our Tonik app is also an efficient option for a Shop Installment Loan, as well as any other instance where the auto-debit feature cannot be used. Whichever method suits you best, we are here to make sure repaying your loan is as simple and convenient as possible.

Is Tonik Bank legit?

Tonik Bank is a reliable online banking provider, offering credit cards, personal and business accounts, along with other financial services. Founded in 2012, the company is regulated by the Financial Conduct Authority, so customers can rest assured that all funds are safe and secure within their accounts. Furthermore, Tonik Bank prides itself on providing modern banking solutions as well as exceptional customer service.

From answering inquiries quickly to supplying helpful resources via its blog and FAQ page, Tonik Bank offers an experience that’s friendly and convenient for users. Additionally, its financial products come with zero non-transactional fees or hidden charges which makes Tonik Bank a great reliable option to meet your banking needs.


All reviews Tonik Bank


January 16 2023

Setting up, using and transferring money to and from other banks is extremely convenient with this service, as well as offering high interest rates for stashes. Additionally, the app works without any issues so far. Whenever I had questions while setting up my account customer support was able to provide prompt assistance which made it even easier.
Loan terms
First loan: 5000 - 50000 PhP
Maximum amount: 50000 PhP
Loan term: 6 - 24 month

Tonik bank website




All reviews Tonik Bank


January 16 2023

Setting up, using and transferring money to and from other banks is extremely convenient with this service, as well as offering high interest rates for stashes. Additionally, the app works without any issues so far. Whenever I had questions while setting up my account customer support was able to provide prompt assistance which made it even easier.

It will take only 10 seconds for us to send your application to 8 financial institutions in the Philippines

A single online loan application for all financial institutions in the country. Fill in a short form of a single online loan application in a minute. For free, we will select suitable partners, who are ready to issue a loan to you, and we will send them your data for consideration. You will get approval and money from one or several companies today!

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