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About Skyro products

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What products are available?

Skyro offers three main financing products: Product Loan, Cash Loan, and SkyroCredit. Find out about each product below:

To apply for a Skyro loan, customers must:

  • be a Filipino citizen aged 18 to 70
  • have one valid government-issued ID
  • have a smartphone and a Philippine mobile number

Product Loan

Skyro Product Loan lets customers shop for appliances, gadgets, furniture, and more at over 12,000 partner stores. Customers get a spending limit they can use to buy one or multiple items, as long as they're on a single receipt.

They can spread their payments over flexible loan terms of up to 24 months, with 0% interest and ₱0 down payment on select deals. Interest rates range from 0% to 7%.

Customers can apply in-store with the help of a Skyro agent or choose Skyro as their payment option at checkout when shopping online. Once approved, they can take home their purchases and pay in installments.

How customers apply in-store

  1. Complete the Skyro Product Loan application
  2. Show the application QR code to a Skyro agent and get pre-approved
  3. Once approved, complete the purchase and enjoy your item!

How customers apply online

  1. Pick the item you want to buy at a partner store's website or social media page
  2. Choose Skyro as the payment option at checkout
  3. Complete the application
  4. Once approved, pay the down payment and enjoy your item!

Enjoy 0% interest on online purchases with Skyro Zero Plan

With Skyro Zero Plan, you can enjoy 0% interest when you pay off your Online Product Loan in full within the first 3 or 6 months, boss.

The grace period depends on your loan term and purchase amount.

For purchases below ₱10,000

  • 6-month installment → 3-month grace period
  • 9-month installment→ 3-month grace period

For purchases above ₱10,000:

  • 6-month installment → 3-month grace period (0% interest if paid in full within the first 3 months)
  • 9-month installment → 3-month grace period (0% interest if paid in full within the first 3 months)
  • 12-month installment → 6-month grace period (0% interest if paid in full within the first 6 months)

Note: You'll pay the origination fee when your loan starts, even during the grace period. This is 10% of the loan amount + ₱690. After the grace period, the standard Online Product Loan rate applies.


Value-Added Services (VAS)

Aside from its main loan products, Skyro also offers Value-Added Services (VAS), which are optional add-ons customers can include with their Product Loan or Cash Loan. These services provide extra protection, convenience, and flexibility, including insurance coverage, flexible payment options, and access to online medical consultations.

  • Loan Protection: Cash benefit up to 4x the loan amount for death and disability.
  • Flexi: Change monthly payment amount or move due date anytime.
  • Electronic Doctor: Unlimited 24/7 online consultations with a licensed doctor.
  • Device Protection: Repair or replace the device from damage, spills, theft, and burglary.
  • Extended Warranty: Extends the device warranty for one more year.
  • Goods Protection: Replaces items damaged beyond repair by accidents or liquid spills.
  • Personal Accident: Get cash support for home damage from calamities and personal accidents.

👉 Read more about VAS here


Cash Loan

Skyro Cash Loan gives customers quick access to cash for everyday needs, bills, repairs, or emergencies. They can borrow up to ₱250,000 and repay over 3 to 18 months, with interest rates ranging from 1.5% to 7% per month.

Once approved, the money will be transferred directly to their bank account or e-wallet within 24 hours.

How customers apply

SkyroCredit

SkyroCredit is a reusable credit limit made for everyday spending, from groceries, food, and coffee to shopping, gas, and more. Customers get a credit limit of up to ₱100,000, which they can use to pay at over 1 million merchants nationwide that accept QR Ph. They can enjoy 0% interest for up to 45 days when they pay their full interest-free amount by the due date.

To use it, customers can scan or upload a merchant’s QR Ph code in the Skyro Philippines app and pay using their available credit limit, whether in-store or online. They can use as much of their limit as they need, and as they repay, their available credit increases again.

Eligible customers can also turn part of their available SkyroCredit limit into cash and transfer it to an e-wallet or bank account. Cash Out gives them another way to use their credit limit when they need cash or when QR Ph payments aren’t available.

With SkyroCredit, customers can enjoy the following benefits:

  • Up to 30% cashback on eligible purchases
  • Up to ₱1,000 cashback per month
  • Choose 4 out of 7 cashback categories every month
  • No minimum purchase amount required to earn cashback
  • ₱1 cashback = ₱1 off future SkyroCredit purchases once their cashback balance reaches ₱100

How customers apply

via Website

  1. Visit www.skyro.ph/skyrocredit and tap ‘Apply now’
  2. Complete the online form and wait for approval
  3. Download the Skyro Philippines app, answer the verification call, and sign the credit line agreement using an OTP

Once activated, use SkyroCredit to pay anywhere QR Ph is accepted, in-store or online


via Refer and Earn

Refer and Earn is Skyro's referral program that rewards customers for inviting friends to apply for SkyroCredit.

  1. Share a referral link. Customers copy their unique link from the Skyro Philippines app and send it to a friend
  2. The friend applies. The friend uses the referral link to apply for SkyroCredit
  3. Both receive ₱100. Once the friend is approved and signs their credit line agreement within 100 days from when the link was generated, both receive ₱100 cashback