tonik quick loan

Tonik Quick Loan

Minimum loan amount

P 5,000

Minimum annual income

P 180,000

Add-on interest


Product Summary

tonik quick loan

Tonik Quick Loan

Tired of closed doors, no replies, and rejected calls from loved ones and banks when you need money ASAP? You’ve come to the right place because with Tonik Quick Loan, luv is an open dooooooor! Get approved in as fast as 1 hour with minimal documents required. Apply for a Tonik Quick Loan online today!

  • Speedy loan approvals—as fast as 1 hour!
  • Flexible payment terms up to 24 months
  • Flexible due date schedule
  • No collateral and credit history required
  • Monthly add-on interest rate as low as 4.26%
  • Ideal for: emergency travel, tuition fees
Age23 to 58 years old
Minimum Annual IncomeP180,000
Credit CardNot Required
Landline NumberNot Required
Regular Employee
Government-issued ID
Deposit accountTonik account
Processing fee%
Late payment FeeP500

Is this the right product for you?

Checkout the other personal loan listing.

Tonik Quick Loan Review

If you’re discouraged to apply for a loan in traditional banks because of the jargon and the long list of requirements, then try Tonik Quick Loan—a hassle-free and affordable option for your personal loan needs. Get approved faster than the K-Drama episode you’re watching and have the freedom to choose your due date schedule.

Where Can I Use a Tonik Quick Loan?

Tonik Quick Loan is ideal for situations that require cash payout immediately. You can borrow loan amounts ranging from ₱5,000 to ₱50,000 and get approved as fast as 1 hour. Tonik Quick Loan can help you with these scenarios:

  • Additional business funds - Damaged equipment, sudden price uptick with your suppliers, or the need to hire more employees—these expenses are not cheap. Iron out your urgent business needs with a Tonik Quick Loan.
  • Appliance purchases - If you keep sweet-talking your worn-out refrigerator for it to work, it’s a sign to let go and buy a new one by applying for a Tonik Quick Loan.
  • Emergency travel - LDR is a pain, especially if Mr. Right from a different country needs your TLC after he got into an accident. Shorten the distance and let luv find a way when you apply for a Tonik Quick Loan.
  • School expenses - Students get a first day high at the start of school, while parents shake their heads and sigh when they see their kids' tuition fees. Here, apply for a Tonik Quick Loan and feel better.

Who Can Get a Tonik Quick Loan?

Come get your quick cash fix! But first, you need to fit Tonik Quick Loan’s eligibility criteria:

  • At least 23 to 58 years old
  • Filipino citizens living in the Philippines
  • Minimum monthly income of ₱15,000
  • Must be currently employed
  • Must have a tax identification number (TIN)

Tonik Quick Loan Requirements

  • Valid government-issued ID with photo and signature
  • Tonik Account

Tonik Quick Loan Calculator

Tonik has an online personal loan calculator that you can use to check which repayment term for your target loan amount will work best for your budget.

Note: The resulting figures of your calculation are just estimates. They’re subject to change. Remember that your actual amortizations will be reflected in the loan disclosure statement.

Tonik Quick Loan Sample Computation

Loan Amount

6 months

9 months

12 months

18 months

24 months


Tonik Quick Loan Interest Rates and Fees

Loan terms: 6, 9, 12, 18, or 24 months

Monthly add-on interest rate: as low as 4.26%

Annual Percentage Rate (APR): 84%

Processing fee: One-time deduction of ₱1,000 upon loan disbursement

Documentary stamp tax (DST) fee: One-time deduction of ₱1.50 per ₱200 of the borrowed amount

Late payment fee: ₱500


Yes, luv! Tonik knows you want it safe and convenient and the best way is through the Tonik app. The application, approval, transfer of loan proceeds, and repayments will all happen on the app. Don’t worry, Tonik is regulated by the BSP just like traditional banks.

You’ll be approved in as fast as 1 hour! This will happen after you answer Tonik’s call for identity verification so be on the lookout for their call.

Most of the fees for Tonik Quick Loan are one-time deductions except if you make a late payment. So be an early bird with your loan repayment if you don't like unnecessary fees.

  • Processing fee - one-time deduction of ₱1,000 upon loan disbursement
  • Documentary stamp tax (DST) fee - one-time deduction of ₱1.50 per ₱200 of the borrowed amount
  • Late payment fee - ₱500

You’ll receive a notification or you can check the app for your loan status.

You’ll get your cash as soon as you’re done answering the post-approval questions and signing the Quick Loan documents.

Don’t be scared, luv! Tonik’s the opposite of ghosting and will drop in to say hello, share some more chika about Quick Loan, and confirm a few details about your loan proceeds. They’ll text you first before calling so you’ll know it’s not a prank.


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