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
Skyro App has been a life-changing support for our family, especially for those who want to get appliances but can’t afford to pay in full cash right away. Thanks to Skyro, owning essential home appliances became possible without putting too much pressure on our budget. The installment options are very flexible and realistic, which really helps families manage their finances better.Aside from appliances, their cash loan feature is also super impressive. The application process is completely hassle-free, very straightforward, and doesn’t feel complicated at all. Everything can be done through the app, and the interface is very user-friendly, even for first-time users. No stress, no confusion—just smooth and easy steps.What I love most about Skyro is how fast, convenient, and reliable it is. You can really tell that the app is designed to help people, not to make things harder. It’s perfect for individuals and families who need financial support without going through a long and tiring process.Overall, Skyro App is 100% worth it. I highly recommend this to anyone looking for an easy way to get appliances or apply for a cash loan. Truly a big help and a trusted app you can rely on!
Developer Response
Wow, this means everything to us, GeriB 🥰 Hearing how Skyro's been a real support for your family—from appliances to cash loans—fuels what we do every day. We built this to make financial help accessible, stress-free, and real for families like yours. Super grateful for your trust and this amazing review 😊
Exploitative!!!
Arminda Meißner
I gave 5 stars so everyone can see and read my feedback. I tried this app for an emergency and I’m disappointed after their approved my loan, why? The interest and charge are unbelievable. They deduct the processing fee of 950 and they will less 10% from the money you loan. Meaning to say they charge a processing fee plus 10% from your loan. I called them to get a clear explanation but the only said is that the policy. Processing fee I understand but not the 10% less from your loan and you will pay them the exact amount of your loan plus interest, etc. This is the first and last to use this lending app.
Terrible loaning app. Putting 5 stars just to be seen
life_262
They tell you that waiting time is shorter in comparison to all other apps. I tried loaning due to an unexpected emergency, only for them to say that it has not been approved. What is the point of your advertisement if you put down people’s hopes in their time of need? Are you all just there for the money? And with how big the interests are, im sure you all get more from people in need when they choose your services. This is a terrible loaning app. Only after the money.
Developer Response
We understand how frustrating it can be to wait and truly appreciate your patience. Cash loan applications may take up to 2 days as we carefully review each submission. Results depend on the information provided during the application, including details such as income, existing financial obligations, credit history, and inactive phone number. This review process helps ensure responsible lending and a better experience for our customers. Thank you for your patience and for giving us the opportunity to review your application.
Agents are so insensitive
Nothappy0399
An agent called me today to inform me about my application being declined, i have no problem with the rejection however you could at least hire a competent and polite agent so customers would try again, Imagine being called so early in the morning just to have someone yell at you.. when she called me i couldn’t hear a word she way saying due to extreme background noise so i asked her to repeat what she just said in a polite and nice way suddenly she started talking faster which of course troubled me more to understand what she was saying, after she spoke i was gonna ask her a question but she dropped the call without even asking me if everything was clear or not. YOU CAN DO BETTER THERE ARE AMLOT MORE COMPETENT APPLICANTS OUT THERE WHO CAN DELIVER BASIC DECENCY FOR YOUR COMPANY
Developer Response
Hey there 🌟 First off, we’re really sorry you had to experience that, that’s definitely not the vibe we want our agents to give. 😔 Thank you for being detailed and sharing your experience, we really appreciate it. We’ll make sure your feedback reaches the team so we can step up our game and make sure every call is clear, polite, and actually helpful 💙 We cannot pull up your account thru username but we'd love to know more about this incident. Please reach out to us via Skyro app to address concern better. Your patience and honesty mean a lot, and we hope your next Skyro experience is way smoother ✨ We also appreciate your time and effort in submitting your application. As much as we want to help you, we have a standard review process to follow. For reasons why an application got declined, see our FAQ https://www.skyro.ph/faq
Fixed several bugs to improve stability and performance
Version 2.59.0
The developer, Breeze Ventures Pte. Ltd., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
Location
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
Breeze Ventures Pte. Ltd.
Size
199.7 MB
Category
Finance
Compatibility
Requires iOS 15.0 or later.
iPhone Requires iOS 15.0 or later.
iPod touch Requires iOS 15.0 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
