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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

Apply in 5 easy steps:
1. Visit any of our partner merchants
2. Choose what you want to purchase
3. Fill out the digital
application with a Skyro agent
4. Sign your loan agreement
5. Settle the down payment
and enjoy your purchase!

To become a Skyro customer, you need to:
- be a Filipino citizen aged 23 to 65 years old;
- have a primary ID that states your current address;
- have a proper proof
of your income;
- and have a smartphone with
a valid mobile number.

Skyro product loan offers you:
- Minimum down payment
starting at 20% of
the purchase price
- Paperless contract signing
- Helpful and friendly
customer care

There is an origination fee of 16.6% of the approved loan amount (or ₱5,000, whatever is lower). Note that we will add the fees on top of the approved loan amount instead of subtracting. This means you'll get the full approved loan and pay the fees over time. For example, if your approved loan amount is ₱50,000, the origination fee is ₱8,300. It's higher than ₱5,000, thus, your origination fee is ₱5,000. The total amount due is ₱55,000
Pay for a loan from the comfort of your home or in one of our over-the-counter partners near you.

Online banks:
- BDO
- BPI
- Land Bank
- Metrobank
- RCBC
- UnionBank

E-wallets:
- Coins.ph
- GCash
- GrabPay
- Maya

OTC (over-the-counter):
- 7-Eleven
- Bayad Center
- CLiQQ
- Cebuana
- DA5
- ECPay
- eTap
- ExpressPay
- M Lhuillier
- Palawan Pawnshop
- Posible
- The SM Store
- TrueMoney

There is a ₱25 transaction fee when you pay using e-wallet or via over-the-counter partners. When paying via online banks, the transaction fee is ₱25 + an extra fee ranging from ₱10 to ₱25. Currently, there is no transaction fee charged when paying via BPI, BDO, or UnionBank, only an extra fee.

Minimum period for repayment — 6 months.
Maximum period for repayment — 12 months.
Our maximum Annual Percentage Rate (APR) is 119%
Here's an example of the total cost of the loan:
Total loan amount ₱15,000
Installment period 12 months
Monthly payment ₱1,963
Origination fee ₱2490,00
Monthly interest rate 4,9%
Total interest amount ₱6,006
Total amount due ₱23,556

Advanced Finance Solutions, Inc. is certified by the Securities and Exchange Commission. Registration No.: 2022‍080063542-00. Financing company license No.: F-22-0029-37.
Jungle Lending, Inc. is certified by the Securities and Exchange Commission. Registration No.: CS202002223. Lending company license No.: 3249.
Advanced Finance Solutions, Inc. and Jungle Lending, Inc. are affiliate companies operating under the same brand name, SKYRO.
© 2023 Advanced Finance Solutions, Inc.

For more information, contact us:
+63 919 170 0717
+632 8540 3337
care@skyro.ph