SkyroCredit is not a credit card, it's better. You get a credit limit you can use to pay anywhere QR Ph is accepted, in-store or online. Enjoy 0% interest for up to 45 days, and get 1% cashback on every transaction worth ₱100 and up, boss.

👉 Learn why SkyroCredit is better here

Use SkyroCredit to pay for any QR Ph purchase, boss! See the QR Ph logo/standee at the cashier? That’s your sign to scan and pay with SkyroCredit!

Follow these steps:

1. Tap the QR icon at the bottom of your Skyro app
2. Scan a QR Ph code and check the amount shown
3. Confirm the payment!

For online purchases:

1. At the checkout page, tap the QR Ph payment option
2. Save the QR code or take a screenshot
3. Open the Skyro app and tap the QR icon on the home screen
4. Upload the saved QR Ph image
5. Confirm payment!

Sample payment flow for Lazada

Didn’t find what you need? Visit our Help Center

No need to apply again, boss. Once your SkyroCredit is activated, your credit limit is ready 24/7. Just pay with SkyroCredit anywhere QR Ph is accepted, in-store or online, as long as 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.

You can apply for SkyroCredit in 2 ways, boss!

via Website

1. Visit 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

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

To increase your limit, be sure to pay on time and use SkyroCredit regularly to unlock up to ₱100,000 limit! 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!

To get 0% interest every month, just pay the "interest-free payment" amount shown in your Skyro app. This is how much you've spent by the end of each month, up to your billing date.

No need to compute anything, boss! When your statement comes, just check your exact interest-free amount in the app.

👉 Learn more about interest-free payment here

SkyroCredit charges 7% monthly interest if you only make minimum payments, boss.

You can enjoy 0% interest by paying your full interest-free payment amount based on your monthly bill on or before your due date. This is how much you've spent by the end of each month, up to your billing date.

👉 Learn more about interest rates here

The minimum amount is usually 10% of your credit limit or your balance on your billing date, whichever is lower:

Example 1

• Credit limit: ₱10,000
• Balance on your billing date: ₱5,000

👉 Minimum payment: ₱1,000

Example 2

• Credit limit: ₱10,000
• Balance on your billing date: ₱200

👉 Minimum payment: ₱200

Some reminders, boss:

• If you choose to pay only the minimum, a 7% interest will apply to your balance on your billing date until it is paid off.
• No need to compute anything! Just wait for your monthly bill in the Skyro app to see your exact minimum payment amount. You'll receive it at the end of each billing cycle.

👉 Learn more about minimum payment here

Yes, boss. SkyroCredit is more flexible than installments because you can pay your balance monthly or in a way that works for you, as long as you pay at least the minimum amount due each billing cycle. It’s usually 10% of your credit limit or balance, whichever is lower. The more you repay, the less interest will be charged on your remaining balance.

Paying only the minimum is okay, but 7% interest will apply. If you miss your minimum payment, late fees and other charges may also apply.

At the end of each billing cycle, you will get your bill in the Skyro app. Choose between two payment options: interest-free payment or minimum payment.

Follow these steps to pay for your SkyroCredit bill:

1. Open the Skyro app and tap on SkyroCredit
2. Check your bill to see your amount due for the month
3. Choose between interest-free payment or minimum payment
4. Tap Pay now and pay with QR Ph, SkyroPondo, e-wallet, online banking, or over-the-counter methods

👉 Learn more about interest-free payment and minimum payment here

No hidden, annual, or application fees, boss! SkyroCredit is free to use forever.

Yes, boss! Paying on time and using your SkyroCredit regularly can help you qualify for a higher credit limit of up to ₱100,000! We regularly review accounts for possible credit limit increases and will automatically raise your limit when you qualify. You'll be notified right away in the Skyro app.

💡 Didn’t find what you need? Visit our Help Center