To apply for a Skyro loan, you must:

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

To process your Skyro loan application, you only need one valid ID from this list:

• Philippine passport
• Driver’s license
• UMID (Unified Multi-Purpose ID)
• SSS ID (Social Security System ID)
• Philippine ID
• PhilSys ID
• Digital National ID
• ePhilID
• PRC ID (Professional Regulation Commission ID)
• Postal ID
• GSIS ID (Government Service Insurance System ID)

We’re sorry you weren’t approved. Here is a list of the most common reasons why we couldn’t approve you for a loan.

1. Incorrect data
   Such as wrong email address or false information about your income, past loans, etc.
2. Poor credit history
   There are either too many loans in your credit history or none. Past overdue loans may be the reason for the refusal of a Skyro loan, too.
3. High debt burden
   We have to carefully check if the loan can create unbearable obligations for the customers. If that’s the case, we can’t risk issuing a loan to you.
4. Inactive phone number
   We can’t approve a cash loan if we can’t get in touch with you or your references to check the information.

We can’t disclose the exact reasons why a particular customer wasn’t approved for a loan — it’s simply not safe for us.

1. Only share truthful information
   When applying for a loan, answer the questions as honestly as possible. All applications are carefully reviewed by our Risk Management team. If we see that you gave us false information, that will reduce your chances of getting a loan down to zero.
2. The more details, the better
   Provide maximum details, it’s highly important to give as much information as possible. No personal detail is too small to mention. See №1: if you withhold any information, this may be considered a fraud by our security services.
3. Enter only the mobile number that you’re ready to pick up
   Give us the mobile number that is actually in use. That stands for both your number and your references. It’s essential for us to be able to contact you in time to clarify information. If we cannot contact you or your references, we have no choice but to reject your loan application.
4. And actually be ready to pick up
   After submitting the form, make sure that we can reach you by the mobile number you indicated. We’ll get in touch with you shortly.
5. Get your credit history in order
   This might be the biggest issue. If you already have a lot of loans, this may negatively affect your eligibility for a new loan. We strongly recommend dealing with current loans first before applying for new ones.

Yes, you can reloan. If you have a good payment history, you may receive special offers for cash or product loans. You can check for these in the app, and we’ll notify you when offers are available.

If no special offer is available, you can still apply for a new product loan by completing the application in the app. Once pre-approved, simply show the QR code to a Skyro agent at one of our partner stores.

Skyro’s online application helps you see if you can get pre-approved for a product loan before shopping! To apply, you can visit our loan application page and download the Skyro app to continue the process there. You’ll know right away if you're all set, reducing the payment process in-store and making your shopping experience smoother.

When you complete the application, you may see a "pre-approved" status. This means you have a high chance of receiving final loan approval, but the decision depends on the product you choose and its price at the store.

You can use your Skyro loan at any of our 6,000 partner merchant stores nationwide. Check our website to view a map of all our partner merchants and store locations.

You can apply online for a wide range of products, including:

• Home appliances
• Electronics
• Mobile phones and tablets
• Computers and laptops
• Furniture
• E-bikes

Explore these categories and more from our partner merchants to find the products that suit your needs.

You have five payment options to pay for your Skyro loan: QR Ph, SkyroPondo, online banks, e-wallets, and OTC (over-the-counter). Below is the full list of our partners.

QR Ph

SkyroPondo

Online banks:

• BPI
• UnionBank

E-wallets:

• GCash (cash in or bills payment)
• GrabPay
• Maya
• PalawanPay (cash in or bills payment)

OTC (over-the-counter):

• 7-Eleven
• CLiQQ app or kiosk
• Cebuana Lhuillier
• ECPay
• M Lhuillier
• Palawan Pawnshop or Palawan Express
• The SM Store
• Offline ECPay partners (Prince Supermarket, LCC, others)

You can pay for your Skyro loan online via QR Ph, SkyroPondo, online banking, or e-wallet. Find out how each one works below:

QR Ph

To make an online payment using QR Ph in the Skyro app, follow these steps:

1. Tap ‘Cash in,' and choose QR Ph.
2. Generate your QR Ph code and save the image to your device.
3. Upload the saved QR Ph image in your chosen online banking or e-wallet app to complete your loan payment.
   
   *You can also send the QR Ph image to a friend or loved one to pay for you.
   

SkyroPondo

To make an online payment using SkyroPondo in the Skyro app, you’ll need to add money to SkyroPondo first. There are 2 ways to use SkyroPondo for payments: automatic or manual:

Automatic

Use SkyroPondo to automatically pay for your Skyro product loans, cash loans, or SkyroCredit minimum payment. Add money to it anytime, so you're ready when it's time to pay for your loans.

Follow these steps below to cash in to SkyroPondo:

1. Open the Skyro app and tap on ‘SkyroPondo’ from the home screen.
2. Tap ‘Cash in’ and choose where you want to get money from — like QR Ph, GCash, BPI, Maya, or over-the-counter options.
3. Enter the amount and confirm.
   

Congrats! Your SkyroPondo is now ready. 5 days before your due date, we’ll automatically use your SkyroPondo balance to pay your product or cash loan monthly payment. For SkyroCredit, SkyroPondo will cover only the minimum payment.

Manual

Use SkyroPondo to manually transfer money from your account to pay your loans anytime. This works for advance payments, full early repayment, and interest-free payments for SkyroCredit. Just keep enough funds in your SkyroPondo.

Follow these steps below to transfer money from SkyroPondo to your product loan, cash loan, or SkyroCredit:

1. Open the Skyro app and select your loan on the home screen.
2. Tap "Make a payment" and choose SkyroPondo.
3. Confirm the amount to complete your payment.
   
   If your SkyroPondo balance is lower than the amount due, you'll see a message.
4. Once you see the confirmation screen, your payment is complete.
   

Online banking

To pay using online banking in the Skyro app, follow these steps:

1. Tap ‘Cash in’ and choose from BPI or UnionBank.
2. Enter the amount you want to pay. Just keep in mind that your bank may charge an additional fee.
3. Confirm the amount. After, a browser will open where you need to log in to your online bank account. You will also get an OTP on your mobile which you will need for verification.
4. Tap ‘Submit’,' and your loan payment is complete!
   

E-wallet

To pay using an e-wallet in the Skyro app, follow these steps:

1. Tap 'Cash in,' from the home screen and choose from GCash, Maya, GrabPay, or PalawanPay.
2. Enter the amount you want to pay.
3. Confirm the amount. After, a browser will open where you need to log in to your e-wallet account. You will also get an OTP on your mobile which you will need for verification. Tap ‘Submit’ and your loan payment is complete!

GCash Bills Payment

To pay your Skyro loan through the GCash app under “Bills,” follow these steps:

1. Open the GCash app and log in.
2. Tap on “Bills” from the home screen and select “Loans.”
3. Scroll down and choose Skyro as your biller.
4. Enter your details and confirm the payment.
   
   - Amount to pay
   - Registered mobile number in the Skyro app
   - Full name
   - Email address (optional)
   
5. Save your GCash confirmation receipt as proof of payment for future reference.
   
   * A ₱20 fee applies per transaction.
   

Note: If you have 2 or more Skyro loans, the money will go to your SkyroPondo. Please remember to manually pay your loan in the Skyro app after, boss!

PalawanPay Bills Payment

To pay your Skyro loan through the PalawanPay app under “Pay Bills,” follow these steps:

1. Open the PalawanPay app and log in.
2. Tap on “Pay Bills” from the home screen, then search for "Skyro" or select “Loans.”
3. Scroll down and choose Skyro as your biller.
4. Enter your details and confirm the payment.
   
   - Amount to pay
   - Registered mobile number in the Skyro app
   - Full name
   - Email address (optional)
   
5. Save your PalawanPay confirmation receipt as proof of payment for future reference.
   
   * A ₱20 fee applies per transaction.
   

Note: If you have 2 or more Skyro loans, the money will go to your SkyroPondo. Please remember to manually pay your loan in the Skyro app after, boss!

CLiQQ Bills Payment

To pay your Skyro loan through the CLiQQ app under “Pay Bills,” follow these steps:

1. Open the CLiQQ app and log in.
2. Tap on “Pay Bills” from the home screen, then search for "Skyro (ECPAY)" or select "Loans."
3. Scroll down and choose Skyro (ECPAY) as your biller.
4. Enter your details and confirm the payment.
   
   - Amount to pay
   - Registered mobile number in the Skyro app
   - Full name
   
5. Show the cashier your CLiQQ receipt and pay the total amount due.
6. Save your CLiQQ confirmation receipt as proof of payment for future reference.
   
   * A ₱20 fee applies per transaction.
   

Note: If you have 2 or more Skyro loans, the money will go to your SkyroPondo. Please remember to manually pay your loan in the Skyro app after, boss!

To pay for your Skyro loan offline, go directly to any of our payment partners for over-the-counter payments, including 7-Eleven, CLiQQ, Cebuana Lhuillier, ECPay, M Lhuillier, Palawan Pawnshop or Palawan Express, and The SM Store. You can also pay at our ECPay partners, like Prince Supermarket, LCC, and others.

Follow the steps below:

1. Before approaching the counter, generate a barcode in the Skyro app first. Show this code to the cashier to pay.
2. Show the cashier your barcode.
   
   You can pay at 7-Eleven in two ways — via cashier and CLiQQ machine. If via cashier, choose Xendit as the biller. If via CLiQQ kiosk, choose SKYRO as the biller.
   
   For all other over-the-counter channels (except Palawan), just choose PayExpress Loans, Xendit, or Dragonpay as the biller name.
   
3. Pay the full amount in cash, including the fee.
4. Keep your receipt safe as proof of payment.

If you're paying over the counter without the app, use your 11-digit mobile number linked to your Skyro account.

Palawan Express Bills Payment

To pay for your Skyro loan at any Palawan branch, follow the steps below:

1. Go to any Palawan branch.
2. Fill out the payment form with the following details:
   
   Biller name: Skyro
   Account number: Skyro-registered mobile number
   Full Name
   Amount
   Contact Number
   
3. Pay the full amount in cash, including the fee.
   
   * A ₱20 fee applies per transaction.
4. Keep your receipt safe as proof of payment.
   

Offline ECPay Partners Bills Payment (Prince Supermarket, LCC, others)

Use your 11-digit mobile number linked to your Skyro account: 09XXXXXXXXX

* A ₱20 fee applies per transaction.

It depends on the payment partner. It can be instant or as long as 3 days.

The due date is usually the same date when your loan was first disbursed. For example, if you received the loan on June 20, your first due date will be July 20, etc.

There are few exceptions:

• If you receive the loan on 30th or 31st, your next due dates are the 1st.
• If you receive the loan on 29th, your due date in February is 28th.

Note that you can always see your due date in the app. When your due date is near, we’ll notify you via SMS.

We also recommend you to pay 3 to 5 days earlier from your due date to avoid unexpected delays from the payment channel you’ve selected.

If you missed a due date, the late fee of ₱500 (or 5% of the disbursement amount, whatever is lower) applies after your due date. The late fees apply every month that you’re overdue.

If you cannot pay your loan on time, try activating Skyro Flexi! This features lets you change your monthly payment amount and due date. It’s perfect to use when you need more time to pay for your loan, or you want to increase or lower your payment amount to fit your budget.

You can use Skyro Flexi up to three (3) times for monthly payment changes, and three (3) times for due date changes — per loan. Make sure to activate Flexi within 6 days before your due date, so it starts with your next monthly payment. For more information on how to use Skyro Flexi, click here.

Yes, you can make a full or partial payment for your loan in advance. To do this, just contact us in the in-app chat to know the exact amount for the early payment.

You can use Skyro Flexi up to 6 times during your loan: 3 times to change your payment amount and 3 times to change your due date. No limits on how often you make these changes!

Using Skyro Flexi, you can make changes up to 6 days before your due date. If it’s less than 6 days, the change will apply to next month.

No, Flexi isn’t available when your payment is overdue.

You can cancel Flexi in the Skyro app’s customer care chat.

• If you’ve already used Flexi this month, the cancellation starts next month, and you’ll still be charged for this month.

• If you haven’t used Flexi this month, the cancellation is instant, and you won’t be charged.

Note: Service fees already paid for Flexi can’t be refunded. You can always re-activate Flexi later in the app if needed!

This feature lets you increase or decrease your monthly payments to match your financial goals.

It applies to all future payments. If you change it within 6 days of the due date, it starts from the next payment.

Increasing payments shortens your loan term, helping you pay off the loan faster.

Decreasing payments extends your loan term, meaning it will take longer to pay off.

Yes! Increasing your payment reduces the interest you pay. The exact savings are shown in the Skyro app when you select a payment amount. For maximum savings, consider making a full early repayment.

You can adjust your payment amount in the Skyro app — just check the available options! Sometimes the amount can’t go lower or higher based on the loan month at the time of change. The app will show you the range you can choose from.

Device Protection (ADLD or Extended Warranty), Goods Protection and Electronic Doctor: No change to the initial insurance term.

Loan Protection: If you extend the loan, the insurance term does not change. If you decrease the loan term, the insurance ends when you pay off the loan.

It’s part of Flexi and lets you pick a new day for your monthly payment. For example, change from the 5th to the 10th if that works better for you.

It applies to all future payments. But if you change it within 6 days of the due date, it starts from the next payment.

You can pick any day from the 1st to the 29th. Just keep in mind:

• There must be at least 15 days between payments.

• No more than 45 days between payments.

The loan term and interest rate stay the same.

The total number of days in the loan may change.

• Fewer days = less interest.

• More days = a little extra interest added to your last payment.

Your last payment might be slightly higher or lower than usual.