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Welcome to SkyroCredit, boss! This guide covers everything you need to get started, from applying for SkyroCredit to understanding its key features and using your available credit for everyday purchases.
SkyroCredit is not a credit card, it's better. You get a credit limit you can use to pay anywhere QR Ph is accepted, in-store or online. It’s your everyday pay later solution for any purchase, whether big or small.
Use it for everyday expenses like fast food, groceries, bills, or when you're short before payday.
Enjoy 0% interest for up to 45 days, and get 1% cashback on every transaction worth ₱100 and up, boss!
SkyroCredit is for anyone looking for flexible access to credit. Whether you're a university student, employed, self-employed, or running a small business, SkyroCredit can help you:
With SkyroCredit, you can shop now and pay later with 0% interest for up to 45 days. It's a convenient payment option that helps you manage everyday expenses, bridge gaps between income or allowance, and stay prepared for unexpected costs.
To apply for SkyroCredit, you must:
You can apply for SkyroCredit in 2 ways, boss!
via Website
via Partner stores
New Skyro customers can also get ₱1,000 SkyroCredit when they apply at partner stores like Home Along, Metro Retail, Prince Retail, LCC, Alson's Trading, and Willy & Sons.
👉 Learn more here: https://www.skyro.ph/newsroom/promo/apply-for-1000-credit
Here are the main features of SkyroCredit, boss:
Available 24/7
Use it anytime in the Skyro app
1% cashback always
₱100 spent = ₱1 back
₱0 down payment
Keep your cash. Pay later with SkyroCredit
0% interest up to 45 days
Pay your interest-free amount by your due date to enjoy 0% interest
Up to ₱100,000 credit limit
The more purchases you pay for using SkyroCredit, the better your chances of getting a credit limit increase. Just pay on time
No annual or service fees forever
Free to use anytime
Use how much you want
Your SkyroCredit is ready whenever you need it. Check your available credit anytime in the app. As you repay what you've used, your available credit is restored
Interest on spent amount only
Interest is charged only on the amount you use, not your full limit
For example, if you spend ₱1,000 from a ₱10,000 limit, interest is charged only on ₱1,000. No interest applies when you pay your full interest-free amount by the due date.
Flexible like cash
Scan any QR Ph code at over 1 million partner stores and merchants nationwide to pay for groceries, bills, fast food, and more
Build your credit score with Skyro
Use your SkyroCredit regularly and pay on time to build a strong credit history and improve your chances of getting future Skyro loan offers
You just need a smartphone, an active phone number, and 1 valid ID from this list:
Here's what to expect when you apply for SkyroCredit online:
💡 Tip: Make sure to pay on time and use your SkyroCredit regularly to get a higher credit limit of up to ₱100,000, boss! We regularly review accounts for possible credit limit increases and will automatically raise your limit when you qualify. You'll be notified right away in the Skyro app.
Got some questions about the application process? Here's what you need to know, boss:
You can complete the online application form in about 2 minutes. After you submit your application, we'll contact you and your references within 24 hours to verify your information. Once verification is complete, the average approval time is 40 seconds.
You can always check your application status in the Skyro app. The home screen shows updates such as ready to continue, under review, waiting for a confirmation call, or not approved.
Once approved, your home screen will show your available SkyroCredit limit.
If you're having issues with your application, first try these quick steps:
Still need help? Contact our Customer Care team in the Skyro app chat. It's the fastest way for us to help you.
No access to the Skyro app? Reach us here:
Skyro takes data privacy seriously. All information is protected under the Philippine Data Privacy Act. Only the details needed for the service are collected, and strict security checks are done before any new feature is launched. Skyro never accesses private messages or contacts, and cannot access photos, call logs, or SMS. Your trust means everything to us.
For more details, you may look at our Privacy Policy.
Looking for more information? Check out these related articles:
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