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 up to 30% cashback on eligible transactions, boss.

👉 Learn why SkyroCredit is better here

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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!

👉 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 monthly interest on your unpaid balance if you only make minimum payments, boss. You can check your exact interest rate in your loan agreement.

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 payment is a small portion of your unpaid balance. You can check the exact amount on your monthly bill in the app.

👉 Minimum payment: ₱1,800

👉 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 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:

👉 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