Tovi Early Pay

Up to ₱30,000 when you need it.

Get cash today based on the income already coming into your account.

Salary. Freelance work. Contract work. Gig income. However you get paid, Tovi looks at your actual income history to find an Early Pay amount that works for you.

One clear fee. No long-term installments. No complicated application.

See my Early Pay amount

About 60 seconds. Checking your eligibility does not affect your credit score.

Here's what Early Pay looks like

Say your US client normally pays you ₱120,000 on the 15th.

Cash you receive today
₱25,000
One flat fee, added at settlement
₱799
Automatically settled on your next payday
₱25,799

That's the whole idea.

One flat fee. No monthly installments. No six month commitment for a two week wait. You are approved for ₱25,000 and ₱25,000 is what reaches you — the fee is added once at settlement, not taken out of what you receive.

Example for illustration only. Your available amount, fee, and settlement date depend on your income and payment history.

Up to ₱30,000 with Tovi Early Pay

Cash for the gap between today and payday.

Bills don't always wait for payday.

Early Pay gives eligible customers access to part of their upcoming income when they need it — whether they earn through an employer, clients, platforms, contracts, or something in between.

Use it for groceries, rent, tuition, work expenses, an unexpected bill, or whatever comes up.

Check my Early Pay amount

Getting Early Pay is simple.

  1. Step 1

    Get started

    Tell us a little about yourself. It takes about a minute.

    The first question of the Early Pay check on a phone

  2. Step 2

    Connect your account

    Securely connect the account where you normally receive your income.

    The connect-your-account page on a phone

  3. Step 3

    Choose your amount

    See your available Early Pay amount and choose how much you want.

    An Early Pay result of 25,000 pesos with its fee and settlement date, on a phone

  4. Step 4

    Get your cash

    Review your fee and settlement date, accept your offer, and receive your money.

    The accepted advance and its amounts, on a phone

That's it.

Get started

Built around your actual income.

Your payslip isn't the whole story.

Traditional lenders often want a traditional employer, payslip, or certificate of employment.

But that's not how everyone earns anymore.

  • Maybe you receive a salary.
  • Maybe clients pay you through Wise.
  • Maybe you use Payoneer, PayPal, Deel, Upwork, or another platform.
  • Maybe you drive, sell online, earn commissions, contract for different companies, or have several sources of income.

Tovi looks at how money actually moves into your account.

We may consider things such as:

  • How much income you receive
  • How regularly you receive it
  • Your recent account activity
  • Your income patterns
  • Your expected upcoming income
  • Whether the amount can reasonably be settled

That helps us personalize an Early Pay amount for you.

Different work. Same bills.

Employees

Your next salary is coming. Sometimes you need some of it sooner.

Freelancers & remote workers

Whether clients pay through Wise, Payoneer, Deel, PayPal, or directly to your bank.

Gig workers

Income doesn't need to arrive in one identical paycheck every month.

Contractors

If you have an established income history, Tovi can look beyond a traditional payslip.

Self-employed earners

Your income may come from customers, platforms, commissions, or several different sources.

However you work, your actual income matters.

See what I could get

Money coming later. Things to pay today.

Or anything else you need.

Tovi gives you more control over the timing of your money.

  • Rent
  • Groceries
  • Tuition
  • Work equipment
  • Bills
  • Unexpected expenses

One fee. Clear from the start.

Before accepting Early Pay, you'll see:

Your Early Pay amount
How much cash you'll receive.
Your fee
The cost of your Early Pay.
Your total settlement
Exactly how much will be settled.
Your settlement date
When your Early Pay is due.

Nothing is hidden behind complicated calculations.

You see the numbers first. You decide second.

Built to feel different from a traditional loan.

Tovi is designed for a short-term cash need — not months of payments.

We won't

  • Access your phone contacts
  • Contact your employer or clients without your permission
  • Hide the price until after you accept
  • Quietly increase your fee while you wait
  • Turn a short-term need into months of scheduled installments

Simple amount. Clear cost. Clear date.

Is Tovi right for me?

You may be eligible if you:

  • Receive income into a supported account
  • Have an established history of income
  • Expect more income to arrive
  • Can securely connect your account to Tovi

You don't need to work for one specific kind of employer. You don't need to be a freelancer. And you don't need to earn exactly the same amount every payday.

Tovi looks at your actual financial activity to personalize your available amount.

Check my Early Pay amount

Frequently asked questions

Up to ₱30,000 when you need it.

Check your available Early Pay amount in about 60 seconds.

One clear fee. No long-term installments. Built around your actual income.

Check my Early Pay amount

Checking your eligibility does not affect your credit score.