Can I apply again?

Yes, boss. If you have a good payment record, you may receive special offers for Cash Loans or Product Loans. You can check these offers in the Skyro app. We’ll also notify you when they become available.

Once pre-approved, simply show the QR code to a Skyro agent at one of our partner stores.

Note: A "pre-approved" status means you have a high chance of receiving final loan approval, but the decision depends on the product you choose and its price at the store. Go to the nearest store to use your pre-approval, boss! Visit any of our 10,000+ partner stores nationwide. Check our website to view a map of all our partner merchants and store locations.

When can I apply again?

The waiting time depends on why your previous loan wasn’t approved, boss.

In some cases, for example, if a Skyro agent cancelled your application to update your details, you may reapply right away.

Generally, it’s best to wait at least 30 days before applying again. For online Product Loan applications, the waiting time may also be shorter. To improve your chances next time, make sure to:

• Use correct details. Make sure all information is correct and matches your ID. Wrong or incomplete details can affect the result.
• Share all needed information. Don’t leave out important details. More complete information helps with review.
• Use an active phone number. Make sure the mobile number you share is active and always with you. Your references should also be ready to receive our call.
• Be ready to answer calls. After applying, keep your phone nearby. We may need to call to confirm your details.
• Improve your credit history. If you have existing loans, paying them on time can improve your chances of approval. If possible, fully paying off some active loans may also help. You may also try applying again if your situation improves, such as having a more stable job, higher salary, or a recent promotion.