Tovi Early Pay

You already did the work. Why wait to get paid?

Tovi lets eligible Filipino freelancers and contractors access part of an expected foreign payment before it arrives.

Your client keeps their payment schedule. You stop planning your life around it.

Check 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.

Built for people who earn internationally

Your payslip is a Wise notification. We know.

Traditional lenders are built around Philippine employers, payslips and certificates of employment. But maybe you get paid through Wise. Maybe it's Payoneer, PayPal, Deel, Upwork, or directly into your bank.

Tovi is built to understand how you actually earn: who pays you, how long they've been paying you, how consistently it arrives, and what you normally receive.

One fee. No guessing.

Before you decide anything, you see exactly:

Your Early Pay amount
The flat peso fee
What you settle on payday
Your settlement date

No complicated interest calculations. No surprise fee after you've already committed.

It ends on your settlement date.

Early Pay is built around your next expected payment. If we can identify your normal payday, your settlement date is based on that schedule. If we can't reliably determine it, we'll give you a specific settlement date before you accept.

On that date, your Early Pay amount is settled from the account your client pays into. There is no month four.

Money coming later. Things to pay today.

Use Early Pay when the timing of your income doesn't match the timing of your life.

Tuition.
Rent and household bills.
A new laptop or work equipment.
Software and business expenses.
An unexpected expense.
Or simply a client who pays on the 15th when you'd rather have part of your money today.

You earned it. You decide when you need it.

Early Pay is built for foreign earners

You may be a good fit if:

You earn from overseas clients or companies
The same payer has paid you before
You expect another payment soon
You have an established foreign income history

You don't need to earn exactly ₱100,000 or more per month. Your available Early Pay amount is based on your actual income and payment history, so smaller recurring payments may simply mean a smaller available amount.

If you get paid internationally, see what your next payment could unlock.

Check my Early Pay amount

Why Tovi is different

Traditional lenders ask

Where is your payslip?

Tovi asks

Who pays you?
How much do they normally pay?
How long have they been paying you?
When do you normally get paid?

Because if you work globally, your actual payment history can say far more about your income than a traditional Philippine payslip.

Your client keeps doing what they already do.

They can keep paying you on their normal schedule. No awkward conversation asking them to change payday just because you'd rather have part of your money sooner.

They keep their schedule. You get more control over yours.

What Tovi will never do

We will never contact your clients without your permission.
We will never access your phone contacts. Ever.
We will never hide the price until after you commit. You see the full cost first.
We will never let your balance quietly grow while you wait. One fee, fixed the moment you accept.
We will never turn one short wait into months of installments. Early Pay is designed around your next expected payment.