Tendo
BorrowTalk record sources attached · 2
BorrowTalk editorial
Borrower intelligence · 9
BorrowTalk editorial · Public-source synthesis
Tendo runs the platform; Tonik grants current Tendo loans“Tendo,” “Tendo by Tonik,” and the older name “TendoPay” can appear in the same borrower history, but they should not be treated as three unrelated lenders.…
BorrowTalk editorial · Public-source synthesis
Employer access, approval, and funds received are separate checkpointsPublic reports show very different application states. In older, pre-transition replies, one applicant said approval took two days and borrowing was immediately…
BorrowTalk editorial · Public-source synthesis
Payroll deducted, payment posted, and available credit can be different statesIn one recent Tendo discussion, borrowers reported available credit falling even though they had not made a new draw. The original poster later said the next…
BorrowTalk editorial · Public-source synthesis
Resignation can end payroll repayment and make the balance dueCurrent Tendo terms say a borrower leaving a participating employer must notify the platform, payroll deduction stops, and the outstanding balance becomes due…
BorrowTalk editorial · Public-source synthesis
Paying ahead does not automatically cancel the next payroll filePublic reports include borrowers who paid an installment ahead but later still saw a salary deduction, or whose final pay had been deducted while the Tendo…
BorrowTalk editorial · Public-source synthesis
Overdue messages and visits varied; a warning is not a court outcomePublic Tendo borrowers reported different overdue checkpoints after leaving work. One same-account update described email-only contact during roughly a month…
BorrowTalk editorial · Public-source synthesis
A manual Tendo repayment plan after resignation reached full repayment for one borrowerOne borrower described resigning after roughly half of a payroll-deducted Tendo loan had been paid. Their backpay was later applied, but a balance remained and…
BorrowTalk editorial · Public-source synthesis
A settled Tendo account at one employer did not guarantee approval at the nextA borrower reported that a Tendo account and balance linked to a previous employer had been settled and closed. After moving to another employer that also…
BorrowTalk editorial · Public-source synthesis
A Tendo borrower reported full payment, a certificate, then account closureSomeone asking about an older TendoPay account wanted to know what would happen after paying it off. Another borrower replied with their own outcome: after…
Member contributions
Member contributions
Member discussions · 0
Platform information
Key facts
- Entity type
- Financial platform
- Market
- Philippines
- Operator
- Templetech Finance Corp.
- Operations
- Operating
- Operating information
- Official Tendo site, repayment/help surfaces, and app listings active at 2026-09-04 check. Current terms identify Templetech Finance Corp. as platform operator and Tonik Digital Bank, Inc. as lender for loans applied for through Tendo effective 2025-06-01.
- Regulatory
- Not verified
- Regulatory information
- Current terms identify Templetech Finance Corp. d/b/a Tendo and Tendo by Tonik as platform operator; loans applied for through Tendo are granted by Tonik Digital Bank, Inc. effective 2025-06-01. Templetech financing-company authority and Tonik bank supervision are separate regulatory facts; BorrowTalk regulatory_state remains not_verified.
- Last verified
- September 4, 2026
Source provenance
Sources
- SEC — historical list of financing/lending companies and OLPsSEC — historical list of financing/lending companies and OLPs · checked August 25, 2026
- Tendo official website / 2026 termsTendo official website / 2026 terms · checked August 25, 2026
Official information
Official links
Tendo has a public Platform record for Philippines under the operator Templetech Finance Corp..