Tonik - Fast Loans & Deposits 6.1.2

Tonik is the first neobank in the Philippines with a digital bank license that offers savings deposits with high-interest rates and quick online cash loans and shop installment loans for various needs.

Tonik is an innovative and customer-centric digital bank on a mission to revolutionize the financial landscape in Southeast Asia. With experienced bankers, we provide fast, easy, and secure transactions to meet all your financial needs. Our neobank is available 24/7 to help you stay ahead. Download our app today and explore our range of products:

TONIK ACCOUNT

Your Tonik Account is your primary account that offers the convenience of having 5 Stashes and 5 Time Deposit accounts within the Tonik App. Use it to manage, organize, and personalize your cash. You'll also have a virtual card and the option to request a physical debit card for all your financial transactions.

QUICK LOAN

Need an easy loan without a credit history or collateral? Our Quick Loan has got you covered. You can get approved in minutes and borrow PHP5,000 up to PHP50,000, depending on your needs.

The Quick Loan lives up to its name — simply submit 1 valid ID and 1 month's payslip to qualify. Plus, you can choose your preferred payment date for added flexibility. With Tonik, you'll have real-time access to all loan details on the app and the ability to cash out the full loan amount instantly. We also offer no pre-termination or early payment fees.

TONIK LOAN FEATURES:

• Fast approval and real-time disbursement to your Tonik Account
• No credit history or collateral needed
• Minimal documents required - only 1 valid ID and proof of income
• Flexible payment date - choose your preferred salary payout date
• Installment periods of 6, 9, 12, 18, or 24 months
• 100% digital - all loan information accessible on the Tonik App
• Instant cash out of the full loan amount
• One bank account for application and cash disbursement
• No pre-termination or early payment fees
• Top-up your main account and get auto-debited on your due date

QUICK LOAN TERMS:

• Loan amounts: PHP5,000 to PHP50,000
• Loan tenure: 6 to 24 months
• Service Fee: PHP500
• Monthly EIR: Average 7%, depending on due date
• Maximum Annual Percentage Rate (APR): 84%
• Late fee: PHP500
• Applicable Taxes (DST & GRT): None

Note: The Quick Loan Annual Percentage Rate (APR) is at 84%. Linking your salary payroll card will lower the APR to 65%. The minimum loan installment term is 6 months, while the maximum is 24 months. The Monthly EIR is based on diminishing principal as you pay your monthly installments on time. For example, if you apply for a PHP5,000 loan from the Tonik app and choose a 180-day or 6-month installment plan, your monthly fee will be only PHP1,048.98.

SHOP INSTALLMENT LOAN

Shopping in-store has never been easier with Tonik's Shop Installment Loan. Borrow up to PHP100,000 and pay it back later for your next shopping spree at our partner stores. Buy Now Pay Later just got more fun and convenient with Tonik In-Store shopping. Get a Shop Installment Loan today!

SHOP INSTALLMENT LOAN TERMS:

• Loan amounts: PHP5,000 to PHP100,000
• Loan tenure: 3 to 24 months
• Service Fee: None
• Monthly EIR: Average 4.5%, depending on due date
• Maximum Annual Percentage Rate (APR): 54%
• Late fee: PHP500
• Applicable Taxes (DST & GRT): None

WHO CAN REGISTER AS A TONIK USER:

Any Filipino who:

• Is at least 18 years old
• Has a residence in the Philippines
• Has a valid email address
• Has an active Philippine mobile number
• Does not classify under the United States FATCA

CONTACT TONIK:

• Email: [email protected]
• Website: https://tonikbank.com
• Facebook: www.facebook.com/TonikBankPH

Tonik Digital Bank, Inc. is regulated by the Bangko Sentral ng Pilipinas.