Is Tonik Credit Builder legit?
Yes. Tonik Credit Builder is offered by Tonik Digital Bank, Inc, a BSP-supervised bank. Tonik is a digital bank supervised by the Bangko Sentral ng Pilipinas, not an SEC-registered lending company. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| Regulator | Bangko Sentral ng Pilipinas (a bank, not an SEC lending company) | Source |
| Price published | Yes: From 4.20% a month add-on. | Its published terms |
| Loan amount and term | Up to ₱50,000, over 180 to 360 days | Its published terms |
| Google Play rating | 4.7 of 5 from 152,708 ratings, 5M+ installs, as of Oct 2, 2026 | Google Play listing |
On ₱5,000 for 180 days, Tonik Credit Builder's lowest published rate comes to ₱1,260 in interest and fees: interest of 4.2% a month and an all-in cost of 6.8% a month, higher because you repay in instalments but pay interest on the original amount the whole time. It does not publish the most it can charge. Tonik Credit Builder's published terms
Working: 4.2% a month × 180/30 × ₱5,000 = ₱1,260 interest. The all-in rate is the monthly rate at which 6 payments of ₱1,043 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Next: check the worked Disclosure Statement below, then compare Tonik Credit Builder with the other recorded apps, or get it from its official Google Play listing.
Tonik Credit Builder interest rate and what you pay back
From 4.20% a month add-on.
- You pay back
- From ₱6,260
- Cash you receive
- ₱5,000
- Interest and fees
- From ₱1,260
Terms as Tonik Credit Builder publishes them. Documentary stamp tax on a ₱5,000 loan for 180 days is about ₱18.49 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
Tonik Credit Builder Disclosure Statement, worked out: ₱5,000 for 180 days
Tonik Credit Builder must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its lowest published rate; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest | 4.2% a month × 180/30 × ₱5,000 | Tonik Credit Builder's published lowest rate | ₱1,260 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱1,260 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 180/365 | NIRC Sec. 179, as amended by RA 10963 | ₱18.49 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱1,260, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Tonik Credit Builder?
Tonik Credit Builder publishes only its lowest rate; Pocketcash (Elending) publishes a maximum of ₱450 for ₱5,000 over 180 days.
Choose Tonik Credit Builder if
- you want to spread payments over as long as 360 days.
- you need up to ₱50,000.
Skip Tonik Credit Builder if
- you want a loan shorter than 180 days.
This page covers Tonik Credit Builder's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Tonik Credit Builder first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Tonik Credit Builder
Is Tonik Credit Builder legit?
Yes. Tonik Credit Builder is offered by Tonik Digital Bank, Inc, a BSP-supervised bank.
Cheaper than Tonik Credit Builder for ₱5,000 over 180 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱450 in interest and fees (18% a year × 180/360 days × ₱5,000 = ₱450 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱450 in interest and fees (18% a year × 180/360 days × ₱5,000 = ₱450 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱592 in interest and fees (24% a year × 180/365 days × ₱5,000 = ₱592 interest); lends ₱1,500 to ₱50,000.