With this financial app, you can manage expenses, set goals, and access lending options. Includes bill payments, insurance access, and automated savings features.
AppRecs review analysis
AppRecs rating 4.0. Trustworthiness 73 out of 100. Review manipulation risk 27 out of 100. Based on a review sample analyzed.
★★★★☆
4.0
AppRecs Rating
Ratings breakdown
5 star
100%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
What to know
⚠
Pricing complaints
Many low ratings mention paywalls or pricing
⚠
User experience concerns
Recent complaints mention pricing concerns
⚠
Review quality concerns
50% of sampled 5-star reviews are very short
About Tendo by Tonik
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 info@tendopay.ph
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: helpdesk@tendopay.ph
Website: https://tendopay.ph
Facebook: https://facebook.com/tendopay
Effective June 1, 2025, all loans will be granted by Tonik Digital Bank, Inc. The TENDO platform is operated by TEMPLETECH FINANCE CORP. DOING BUSINESS UNDER THE NAMES Tendo and Tendo by Tonik, which is regulated by the Securities and Exchange Commission (SEC) with SEC Registration No. CS201820732 and Certificate of Authority to Operate a Financing Company with No. 1228.
For inquiries, you may contact the SEC at flcd_queries@sec.gov.ph or refer to the list of SEC-registered Lending Platforms (https://www.sec.gov.ph/lending-companies-and-financing-companies-2/list-of-recorded-online-lending-platforms/#gsc.tab=0).
Always review the Terms and Conditions and the Disclosure Statement before proceeding with any transaction.
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 info@tendopay.ph
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: helpdesk@tendopay.ph
Website: https://tendopay.ph
Facebook: https://facebook.com/tendopay
Effective June 1, 2025, all loans will be granted by Tonik Digital Bank, Inc. The TENDO platform is operated by TEMPLETECH FINANCE CORP. DOING BUSINESS UNDER THE NAMES Tendo and Tendo by Tonik, which is regulated by the Securities and Exchange Commission (SEC) with SEC Registration No. CS201820732 and Certificate of Authority to Operate a Financing Company with No. 1228.
For inquiries, you may contact the SEC at flcd_queries@sec.gov.ph or refer to the list of SEC-registered Lending Platforms (https://www.sec.gov.ph/lending-companies-and-financing-companies-2/list-of-recorded-online-lending-platforms/#gsc.tab=0).
Always review the Terms and Conditions and the Disclosure Statement before proceeding with any transaction.
