What is SkyroCredit?

About SkyroCredit

SkyroCredit is not a credit card, it's better! Just scan a QR Ph code, pay, and get 1% cashback every time. Use it anywhere from sari-sari stores to drugstores, and enjoy zero interest up to 45 days when you pay your bill on time.

Every SkyroCredit purchase of ₱100 or more earns you 1% cashback. For example, spend ₱1,000, get ₱10 back. ₱1 cashback = ₱1 off, like a discount!

You can use a little or a lot, depending on what you need. Once you’ve paid back what you used, your limit becomes available again, so you can keep using it anytime, without needing to apply again.

SkyroCredit is perfect for those who want flexible borrowing, small or big, without getting a full loan.

Who can apply for SkyroCredit?

To apply for SkyroCredit, you must:

• be Filipino citizen aged 18 to 70
• have 1 valid government-issued ID
• have a smartphone and an active Philippine mobile number
  

You can apply for SkyroCredit in 2 ways, boss!

via Website

1. Visit https://www.skyro.ph/skyrocredit and tap ‘Apply now’
2. Fill out the online form and wait for approval
3. Download the Skyro app to continue
4. Answer Skyro's verification call
5. Sign the loan agreement with a one-time password (OTP)
6. Your SkyroCredit is ready to use!
   Pay anywhere QR Ph is accepted, in-store or online
   

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.

1. Visit any Home Along, Metro Retail, Prince Retail, LCC, Alson's Trading, or Willy & Sons partner store
2. Apply for SkyroCredit with a Skyro agent
3. Get ₱1,000 SkyroCredit once approved

👉 Learn more here: https://www.skyro.ph/newsroom/promo/apply-for-1000-credit

Your credit limit explained

Here's how much you can use with SkyroCredit, boss:

Once your SkyroCredit is activated, you’ll receive a credit limit with a ready amount you can use to pay anywhere QR Ph is accepted. Your starting limit can be anywhere from ₱1,000 to ₱10,000.

From groceries to drugstores and restaurants, you can pay with SkyroCredit whenever you see a QR Ph code, as many times as you want. Just make sure you have enough available limit.

Think of your credit limit like a water bottle. Every purchase uses some of the water. When you make a payment, you refill what you've used, so you can keep using SkyroCredit without applying again, as long as you still have available limit left.

For new users

To apply for SkyroCredit, you must:

• be Filipino citizen aged 18 to 70
• have 1 valid government-issued ID
• have a smartphone and an active Philippine mobile number

For existing Skyro customers

Once your SkyroCredit is activated, you’ll get a credit limit: this is the available amount you can use to shop anywhere QR Ph is accepted. Your starting limit can be anywhere from ₱1,000 to ₱10,000. Make sure to pay on time and use your SkyroCredit regularly to qualify for a higher credit limit of up to ₱100,000, boss!

How is SkyroCredit better than a loan?

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 youpay 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 qualifying for future Skyro loan offer