Tendo by Tonik

Shop on installments with over 500+ merchants.

Tendo by Tonik gives you access to a full-suite of financial services right at your fingertips. Our app allows you to sign up, log in, make purchases, pay bills, set your financial goals, track your expenses, and much more.

Tendo by Tonik helps you:

• Budget your finances - Short on cash for your expenses? You can make a Cash Loan with your Tendo credit limit to meet your needs and repay it in installments.

• Reach your goals - Meet your financial goals with our automated savings and get up to 6% interest per year with our partner banks!

• Pay bills - Remove the hassle of paying bills by paying them directly on our app using your credit limit.

• Get insured - Gain access to a wide variety of premium insurance products which you can get for yourself or your loved ones.

• Pay on installments- Need new appliances, furniture, or just want to treat yourself? Get as low as 0% interest installments by purchasing with any of our partner merchants!

Interested in partnering with Tendo by Tonik? Reach out to us at [email protected]

Loan Terms

• Monthly interest rates range from 0.00% - 4.00%

• 0.00% loans are available at selected merchants

• Loan repayment terms range from 2 - 18 months

• Loan terms are determined by the creditworthiness and risk profile of a borrower.

• No hidden fees such as origination, service, or bank fees

• Maximum Annual Percentage Rate (APR) = 48.00%

Sample Loan Calculation - Example A

Loan Principal: ₱10,000

Repayment terms: 3 months

Interest rate: 0.50% per month

Total Repayment Amount: ₱10,150

Total interest payable: ₱150

Other Fees: ₱0.00

Semi-monthly installment amount: ₱1,691.67

APR = 6.00%

Sample Loan Calculation - Example B

Loan Principal: ₱10,000

Repayment terms: 6 months

Interest rate: 1.5% per month

Total Repayment Amount: ₱10,900

Total interest payable: ₱900

Other Fees: ₱0.00

Semi-monthly installment amount: ₱908.33

APR = 18.00%

Tendo by Tonik is fully compliant with BSP (Central Bank of the Philippines) and SEC regulations, including SEC circular no.3, series f 2022 on the ceiling interest rates and other fees charged by lending companies, financing companies and their online lending platforms.

Got a question or feedback? We’d be happy to hear from you!

Email: [email protected]

Website: https://tendopay.ph

Facebook: https://facebook.com/tendopay

All loans under Tendo and Tendo by Tonik are financed by Templetech Finance Corp. (SEC Registration No. CS201820732, Certificate of Authority No. 1228)

Please study the terms and conditions in the Disclosure Statement before proceeding with the loan transaction.