What is SkyroCredit?

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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?

Want SkyroCredit? Start with a Product Loan first, boss!

If you apply for a Product Loan, you may also qualify for SkyroCredit at selected partner stores and get ₱1,000 credit if approved.

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

To increase your SkyroCredit limit, be sure to always pay on time. The better your payment history, the higher limit Skyro can offer you!

Got an offer from Skyro, boss? Just sign the loan agreement using the OTP sent to your device to activate your SkyroCredit!

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.

Sample QR code for illustration only.png

For new users

Want SkyroCredit? Start with a Product Loan first, boss!

If you apply for a Product Loan, you may also qualify for SkyroCredit at selected partner stores and get ₱1,000 credit if approved.

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

To increase your SkyroCredit limit, be sure to always pay on time. The better your payment history, the higher limit Skyro can offer you!

Got an offer from Skyro, boss? Just sign the loan agreement using the OTP sent to your device to activate your SkyroCredit!

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
Pay only the exact purchase amount

0% interest up to 45 days
Pay by your due date to enjoy 0% interest

Up to ₱100,000 credit limit
Always use SkyroCredit and pay on time to increase your limit

No annual or service fees
Free to use forever

Use only what you need
No need to use your full limit. Your available credit increases again as you repay what you used

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. To avoid interest, pay your full interest-free amount by the due date.

Flexible like cash
Scan any QR Ph code to pay for groceries, bills, fast food, and more

Build your credit score
Use it responsibly to create a strong credit history

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