Big on shopping, easy on paying

banner decorative image
tile icon

Interest rate from 2.9%

tile icon

Application process 30 min

tile icon

Approval probability up to 80%

Apply in 5 easy steps


Visit any of our partner merchants



what you


Meet Skyro agent
and fill out the digital


Sign your loan agreement


Settle the down payment and enjoy your purchase!

How to become a Skyro customer

Be a Filipino citizen aged 23 to 65

Have a primary ID that states your current address

Have a stable income source

Have a smartphone with a valid mobile number

Our partner stores

Say hello to more perks


Minimum down payment
starting at 20% of
the purchase price

Message • Now
Tell our agent this code 3135 to sign the agreement and confirm consent to the down payment.

Paperless contract signing


Helpful and friendly
customer care

Do it with

Buy in bundle
and save money

Shop your dreams faster and enjoy the upgrade

Pay easy and
stretch the cost

Paying made easy

Choose how you want to pay in the app.
Use your bank, e-wallet, or pay over the counter

See all options

FAQ about Product loans

What banks can I use to pay for my loan?
  • BDO
  • BPI
  • UnionBank
What e-wallets can I use to pay for my loan?
  • GCash
  • GrabPay
  • Maya
Which over-the-counter shops can I visit to pay for my loan?
  • 7-Eleven
  • Bayad Center
  • CLiQQ
  • Cebuana
  • DA5
  • ECPay
  • eTap
  • ExpressPay
  • M Lhuillier
  • Palawan Pawnshop
  • Posible
  • The SM Store
  • TrueMoney
How can I pay for my loan over the counter?

You have to generate a code using the Skyro app before visiting an over-the-counter outlet. Just show the code to the cashier to make the payment.

How long is the code for over-the-counter payments valid?

It’s valid for 24 hours.

Is there a fee I have to pay?

Yes, there is a ₱25 transaction fee when you pay using e-wallet or via over-the-counter partners. When paying via online banks, the transaction fee is ₱25 + an extra fee ranging from ₱10 to ₱25.

Note that currently there is no transaction fee charged when paying via BDO or UnionBank, only an extra fee.

How soon will the money be credited after I made the payment?

It usually takes seconds but in some rare cases it may take up to 24 hours depending on the processing of your bank, e-wallet, or through your chosen over-the-counter outlet.

How many over-the-counter payment codes can I request?

There is no limit. You can generate as many codes as you want.