Tonik Quick Loan – Fast Cash Up to ₱50,000 (2025)
Updated: Nov 10, 2025
- Speedy loan approvals—as fast as 1 hour!
- Flexible payment terms up to 12 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
Regular Employee
- Government-issued ID
- Deposit account (Tonik account)
FAQ
Monthly add-on rate is quoted per month on the original principal; APR includes fees and shows the total yearly cost.
Check Tonik’s terms: early repayment may or may not carry fees; always verify via the app or user contract.
Late fees (such as ₱500) are applied. Repayment lateness may also affect credit / account status.
Need cash fast? Tonik Quick Loan is an online, app-based lending option you can access any time. Borrow up to ₱50,000 without collateral or traditional credit history, and repay in 6, 9, 12, 18, or 24 months. Moneymax lets you compare Tonik’s offerings with other lenders so you know exactly what you’ll pay.
Quick Facts About Tonik Quick Loan
- Maximum loan amount: ₱50,000
- Tenure options: 6, 9, 12, 18, or 24 months
- Monthly add-on interest rate as low as ~4.26%
- Annual Percentage Rate (APR) can reach ~84%
- Processing fee: ~₱500; late payment fee: ~₱500
- No collateral or credit card required
Eligibility & Requirements
To qualify for Tonik Quick Loan, you generally need:
- Filipino citizen aged ~23-58 years
- Minimum monthly income requirement (around ₱15,000 or more)
- Valid government‐issued ID
- Bank account details for disbursement and repayment
Cost & Example
Here’s a sample breakdown:
- Borrow ₱25,000 for 6 months at ~4.26% monthly add-on → approximate monthly payments, total repayment including interest fees, plus any processing or late fees.
- Processing fees, documentary stamp tax, and late fees add to the total cost; always check those before applying.
Advantages & Trade-Offs
Pros
- Quickest approval and disbursement (as fast as 1 hour)
- Minimal paperwork; no collateral or credit card needed
- Flexible terms up to 24 months
Considerations
- Higher APRs compared to bank loans
- Penalties for late payment
- More expensive for higher amounts or longer tenors
How to Apply via Moneymax
- Go to the Tonik Quick Loan page on Moneymax and enter your desired amount & term.
- See estimated repayment schedule, interest, and fees.
- Check eligibility, prepare your documents, and submit your application via Tonik’s online/digital channels.
- Loan amount is typically disbursed to your Tonik bank account shortly after approval.
Information updated for 2025. Rates, fees & eligibility can change—always check the provider’s official site or the Moneymax page.