2025 Skyro Holiday Promo

Terms and Conditions

Promo Offers

During the promo period, qualified customers can enjoy the following exclusive Skyro offers:

1. Zero Down Payment – Avail of your chosen items with ₱0 down payment, subject to credit evaluation and approval.

2. Zero Interest – Enjoy 0% interest when you pay your full loan within the Zero Period under the Skyro Zero Plan.

3. SkyroCredit – Customers who successfully avail of a Skyro loan during the promo period may receive SkyroCredit worth up to ₱10,000, which serves as a credit line for future purchases.

Customer Eligibility

• Open to all Filipino citizens aged 18 to 70 years old, with a valid ID, an active mobile number, and a smartphone.

• Loan approval and promo eligibility are subject to credit evaluation by Skyro.

• Existing Skyro customers in good standing are also eligible to participate.

Promo Mechanics

1. Zero Down Payment

• Qualified customers can enjoy zero down payment on any item financed through Skyro during the promo period.

• Approval is based on Skyro’s risk-based pricing system and credit assessment.

• Down payment may vary depending on the customer’s credit profile.

2. Zero Interest (Skyro Zero Plan)

• Approved loans automatically include the Skyro Zero Plan, allowing customers to enjoy 0% interest if the full loan amount is paid within the Zero Period (first 3 or 6 installments).

• The full payment must cover the financed amount, processing fee, and any Value-Added Services (VAS) costs, excluding Loan Protection and Flexi.

• Payment can be made in full through the Skyro App or by contacting Skyro Customer Care for assistance.

• If the full amount is not settled within the Zero Period, the loan will continue under the regular installment plan with standard interest rates applied from the start of the loan.

• The Zero Period adjusts accordingly if the due date is changed through Skyro Flexi.

• To know more about about Zero Plan, visit https://www.skyro.ph/news/skyro-zero-plan

3. SkyroCredit

• Customers who successfully apply for and get approved for a Skyro loan between November 1 and December 31, 2025, will qualify for a chance to receive SkyroCredit of up to ₱10,000.
• SkyroCredit serves as a credit line that customers can use for future purchases at participating merchants.
• The SkyroCredit line amount is determined based on the customer’s credit evaluation.
• Unused SkyroCredit is non-transferable and cannot be converted to cash.

Availability

The promo is available nationwide across all in-store partner merchants of Skyro.

Other Terms

• All loan applications are subject to final review and approval by Skyro.
• This promo cannot be combined with other ongoing Skyro promotions unless stated otherwise.
• Skyro and its partner merchants reserve the right to modify, extend, or terminate the promo without prior notice, subject to applicable laws and regulations.
• In case of disputes, the decision of Skyro and its partner merchants shall be final and binding.

Promo period from November 1 to December 31, 2025