CIMB REVI and Tonik Bank are two of the safest digital bank loan options in the Philippines. CIMB offers a lower APR (24% vs 26.4%) and a much higher limit (₱1M vs ₱250K). Tonik scores higher on our risk scale (81 vs 76) and has no processing fee. Here's the full breakdown.
✓ Choose CIMB if: You need more than ₱250,000 or want same-day approval with no processing fee.
✓ Choose Tonik if: You prioritize the highest safety score and need ₱5,000–₱250,000.
| Factor | CIMB REVI | Tonik Bank | Winner |
|---|---|---|---|
| Risk Score | 76 / 100 | 81 / 100 | Tonik ✓ |
| Real APR | 24.0% | 26.4% | CIMB ✓ |
| Max Loan | ₱1,000,000 | ₱250,000 | CIMB ✓ |
| Min Loan | ₱10,000 | ₱5,000 | Tonik ✓ |
| Approval Speed | Same Day | 1–3 Days | CIMB ✓ |
| Processing Fee | None | ₱500 | CIMB ✓ |
| Payslip Required | Yes | Yes | Tie |
| Bank Account Required | Yes | Yes | Tie |
| Regulatory Status | BSP-licensed | BSP-licensed | Tie |
| Hidden Fees | None found | None found | Tie |