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Skyro

The app puts financial control in the user's hands, making big purchases and quick cash accessible without the usual hurdles.

Finance & Crypto ›

Key Figures

Downloads

500k+

User Rating

4.7/5

Total Ratings

11.2K

Publisher

Breeze Ventures Pte. Ltd.

An analytical overview of Skyro's core functionalities and their significance for Filipino working adults.

Skyro App Evaluation: Key Features and Impact

Installment Payment for Big-Ticket Items

The app provides an installment payment solution (SkyroSplit) allowing users to purchase big-ticket items like appliances and gadgets without needing a credit card, offering flexible terms and often 0% interest on select deals.

Online Cash Loans (SkyroCash)

This tool features SkyroCash, an online cash loan service that delivers funds directly to the user's account, enabling them to cover various personal or business expenses.

Reusable Digital Credit Line (SkyroCredit)

It offers SkyroCredit, a reusable digital credit line that users can utilize, repay, and reuse anytime for everyday expenses, including easy shopping via QR Ph scanning at various stores.

Fast Application and Instant Approval

The app allows for a rapid application process, enabling users to apply in minutes and receive approval in seconds, facilitating quick access to financial solutions.

Flexible Payment Adjustments (Flexi)

This tool features a 'Flexi' option, allowing users to adjust payment due dates or change monthly payment amounts directly within the app, providing significant financial flexibility.

Transparent Terms and No Hidden Fees

The app ensures complete transparency with its terms and conditions, explicitly stating no hidden fees, which builds trust and clarifies financial obligations for users.

Multiple Loan Repayment Options

It provides over 20 ways to pay for loans, including SkyroPondo, e-wallets, online banking, over-the-counter payments, and QR Ph, offering extensive convenience for users.

Responsive In-App Customer Support

The app offers responsive in-app chat support with real people, ensuring users receive assistance in less than 15 minutes for any queries or issues.

User-Friendly Interface

This tool provides a user-friendly interface designed for ease of use, making it accessible and approachable even for individuals new to loan applications.

Rewards for Good Payment Behavior

It incentivizes responsible financial behavior by offering rewards, such as cashback and access to loan offers with better terms, for users who pay on time.

FAQ

Frequently Asked Questions

Everything you need to know about Skyro

Is Skyro a legitimate and regulated loan app in the Philippines?

Yes, Skyro Lending, Inc. is fully registered and regulated by the Securities and Exchange Commission (SEC) in the Philippines. It holds SEC Registration No. CS202002223 and Lending company license No. 3249.

Who can apply for Skyro loan products?

Skyro loan products are exclusively available to Filipino citizens residing in the Philippines. Applicants must meet these residency and citizenship requirements to be eligible.

What types of financial products does Skyro offer?

Skyro offers SkyroSplit for installment shopping, SkyroCash for online cash loans, and SkyroCredit, a reusable credit line for QR Ph payments. These products address various financial needs.

How does SkyroSplit allow users to shop?

SkyroSplit enables users to shop for large items like appliances at partner stores and pay through flexible monthly installments. It also offers 0% interest and ₱0 down on select deals, without needing a credit card.

What cashback benefits does SkyroCredit provide?

SkyroCredit users earn 1% cashback on every purchase when paying via QR Ph. Additionally, it offers up to 45 days to pay with no interest each month.

What are the maximum loan amount and payment terms for Skyro loans?

Skyro allows loans up to ₱100,000. Users can pay back their loans with flexible terms extending up to 24 months.

Are there 0% interest options available with Skyro?

Yes, Skyro offers 0% interest and ₱0 down payments on select deals, specifically with SkyroSplit for product purchases. Other loans may have varying interest rates.

Can Skyro users adjust their loan payments?

Yes, the Skyro app features "Flexi," which allows users to adjust their loan payment due dates or change their monthly payment amounts directly within the application.

How quickly does Skyro customer support respond?

Skyro customer support responds to chat queries from real people in less than 15 minutes via the in-app chat feature. Email and phone support are also available.

What payment methods are accepted for Skyro loans?

Skyro accepts over 20 payment methods, including SkyroPondo, e-wallets, online banking, over-the-counter payments, and QR Ph for user convenience.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Skyro - Discover how Skyro partners with celebrity endorsers like Dennis Trillo and highlights its SEC regulation for user confidence. — Discover how Skyro partners with celebrity endorsers like Dennis Trillo and highlights its SEC regulation for user confidence.
Trusted Financial Partner

Skyro - The app showcases diverse product offerings, including a pre-approved SkyroCredit limit and readily available cash loan offers for immediate needs. — The app showcases diverse product offerings, including a pre-approved SkyroCredit limit and readily available cash loan offers for immediate needs.
Flexible Loan Options

Skyro - Users can explore the benefits of quick approval for loans up to P100K and advantageous terms like 0% interest on select deals. — Users can explore the benefits of quick approval for loans up to P100K and advantageous terms like 0% interest on select deals.
Swift Approval Process

Skyro - This visual demonstrates the convenience of QR Ph scanning for payments and the added benefit of earning 1% cashback on purchases. — This visual demonstrates the convenience of QR Ph scanning for payments and the added benefit of earning 1% cashback on purchases.
Seamless QR Payments

Skyro - The app's Flexi feature allows users to easily adjust their monthly payment amounts and manage available changes directly within the interface. — The app's Flexi feature allows users to easily adjust their monthly payment amounts and manage available changes directly within the interface.
Empowering Payment Flexibility

Skyro - Users benefit from accessible customer care with real people and a wide array of over 20 payment methods for their loans. — Users benefit from accessible customer care with real people and a wide array of over 20 payment methods for their loans.
Comprehensive User Support

Description

Skyro is here to make loans work for you — the trusted loan app in the Philippines for flexible, simple, and transparent financing. We're one of the fastest-growing financial technology companies in the Philippines, fully registered and regulated by the SEC. We’re also a key founding member of the Consumer Lending Association of the Philippines (CLAP). Since 2022, nakatulong na kami sa mahigit 1 million Pinoys — from everyday bills, dagdag kapital para sa negosyo to big household needs and even seasonal gastos — access flexible loans and financial products that keep things simple, so you can focus on what really matters. All Skyro loan products are issued only to Filipino citizens residing in the Philippines. Shop with Skyro, split your payments SkyroSplit lets you shop for big‑ticket items and pay in easy monthly installments — hindi na kailangan ng credit card! • Shop for appliances, gadgets, furniture, and more, at thousands of partner stores • Flexible loan terms of up to 24 months • 0% interest and ₱0 down on select deals • In‑store or online, you’re in control of your budget • Apply in minutes • Get approved in seconds • Transparent terms — walang hidden fees • Get pre‑approved before you shop — less drama, more confidence Here’s an example of how your monthly installment is calculated: Interest Rate Minimum: 0% per month (for POS offers, depending on eligibility), 0% p.a. | Maximum 6.9% per month, 83% p.a., processing fee Minimum 10% + ₱690, Maximum 16.6% of loan proceeds) Simple loan calculation: POS Loan Amount: ₱11,690 POS Loan Term: 12 months Interest rate: 0% Monthly Installment: ₱974 Total POS Loan Cost: ₱11,690 Need extra funds? Try SkyroCash An online cash loan that gives you money straight to your account — for bills, school fees, negosyo needs, or any important expense. Pay anywhere with SkyroCredit. A reusable credit line na pwede mo gamitin, bayaran at gamitin ulit anytime — flexible and easy to shop at any store with QR Ph by simply scanning to pay and settling later. The Skyro app was made for you • Madali gamitin, friendly kahit first time sa loan app • Regular reminders so you won’t miss due dates • More than 20 ways to pay for your loan: via SkyroPondo, e-wallets, online banking, over the counter, or via QR Ph - SkyroPondo is your account inside the Skyro app. Pwede mag-cash in anytime to pay your Skyro loans or SkyroCredit bill, o ipunin para sa future payments, all in one place • Adjust anytime with Flexi — move due dates or change your monthly payment sa Skyro app mismo • Need help? Chat with real people at may sasagot in less than 15 minutes via the app chat • Pay on time para ma-unlock loan offers with better terms • Enjoy rewards like cashback para sa good payers Sa Skyro, ikaw ang boss! Download na ng loan app and start shopping with Skyro! Skyro Lending, Inc. is certified by the Securities and Exchange Commission. Registration No.: CS202002223. Lending company license No.: 3249. Address: 3006 30F, One Corporate Center, Meralco Avenue corner Julia Vargas Avenue, San Antonio, Pasig City, 1605 Metro Manila Skyro Lending, Inc. is an affiliate company operating under the same brand name, SKYRO For more information, contact us via: Skyro app chat care@skyro.ph +632 8540 3344 +63 919 170 0700