Product Loan
Add-on services (Value-added Services) a. Loan protection b. Device protection c. Extended warranty d. Goods protection e. Electronic Doctor f. Personal Accident g. Flexi (link back to Flexi section)
đź’¬ 1. Product Loan
Who can apply for a Skyro Product Loan? To apply for a Skyro Product Loan, you must: be a Filipino citizen aged 18 to 70...
POS Online
Online Product Loan Amount (Minimum) From ₱3,750 Loan Term 6, 9, 12, 18, 24 months Down payment From 20% Interest Rate F...
What items can I buy with a Skyro Product Loan?
You can buy these popular items with a Skyro Product Loan, boss: Mobile phones and tablets Home appliances Electronics C...
What does pre-approved mean?
See "pre-approved" after applying? That means you have a high chance of receiving final loan approval, boss! But the dec...
Where can I use my pre-approved Product Loan?
A "pre-approved" status means you have a high chance of receiving final loan approval, but the decision depends on the p...
How to pay for my Product Loan?
There are 2 ways to pay for your Skyro Product Loan: online or over-the-counter. Visit our How to Pay page here.
How to make advanced payments?
Full early repayment (FER) To make a full early repayment (FER), you need to check first the exact amount you need to pa...
How interest is computed for Product Loan?
For Product Loans, interest is based on the amount you borrowed, usually from 3.9% up to 7%, plus a one-time origination...
What is an origination fee?
The origination fee covers the processing of your application, boss. Generally, this is computed as:10% of the financed ...
Skyro Zero Plan
The Skyro Zero Plan gives you the chance to enjoy 0% interest at the start of your loan. If you pay your full loan amoun...
What is the Zero Period?
The Zero Period is the first 3 or 6 installment periods of your loan where no interest is charged. This is your window t...
How do I activate the Skyro Zero Plan?
No activation needed, boss! If your loan qualifies, the Zero Plan is automatically included. You’ll see it in your loan ...
What do I have to do to stay on the Skyro Zero Plan?
To enjoy 0% interest, you need to pay your full loan before your Zero Period ends. This means paying: The full financed ...
đź’ˇAdd-on services / My insurances
Pick an add-on to protect you, your item, or your loan, boss. These Value-added Services (VAS) are optional add-ons you ...
What does Device Protection cover?
It covers: Accidental physical damage Liquid damage Robbery or burglary with clear signs of force or violence This appli...
What is the age limit and minimum insured sum?
There is no age limit. The minimum insured amount is ₱50. The maximum coverage depends on the value of the device.
What is needed to file a claim?
For accidental or liquid damage: Personal details and a valid government-issued ID Device IMEI or serial number Photos o...
For accidental or liquid damage:
Personal details and a valid government-issued ID Device IMEI or serial number Photos or videos showing the damage If so...
For theft or burglary:
Personal details and a valid government-issued ID Police or incident report or notarized affidavit Photo of the area sho...
How do I file a Device Protection claim?
Once the loan with insurance is approved, visit Igloo or Qoala’s Claims Portal to file your claim. Create an account usi...
What is not covered?
Device Protection does not cover: Normal wear and tear Rust, corrosion, mold, or discoloration Mechanical or electrical ...
What are the benefits of the Extended Warranty?
With Extended Warranty coverage, you get: Continued protection beyond the manufacturer’s warranty Coverage for eligible ...
Who is the service provider for the Extended Warranty?
The Extended Warranty is provided and managed by Igloo.
How long is the coverage period?
The coverage period depends on the loan term: 6, 9, or 12 months, based on your loan Plus 3 additional months of Electro...
What items are covered under the Extended Warranty?
The Extended Warranty covers electronic items, including but not limited to: Home appliances Mobile phones Cameras Drone...
How do I file a claim?
Once your loan with insurance is approved, you will receive an email from Igloo. The email will include a link to the cu...
Required Documents
Photo of the IMEI or serial number of the product Photo and/or video of the damaged device or item Police Report or Nota...
Optional Documents
Assessment form Original receipt or service invoice (for replacement items) Goods Protection Stay chill when mess happen...
What are the benefits of Goods Protection?
Goods Protection provides: Coverage against accidental and liquid damage Protection for non-electronic items Replacement...
Who is the service provider of Goods Protection?
Goods Protection is provided and managed by Igloo.
What items are covered under Goods Protection?
Goods Protection covers non-electronic items, including but not limited to: Home and Living items Baby and Kids items Fa...
What is NOT covered under Goods Protection?
Goods Protection does not cover: Normal wear and tear, gradual deterioration, corrosion, rust, or inherent defects Mecha...
What are the benefits of Electronic Doctor?
Electronic Doctor allows users to: Access digital health guidance anytime Receive automated medical recommendations Get ...
Who is the service provider of Electronic Doctor?
Electronic Doctor is provided and managed by Call4Life.
Is Electronic Doctor a standalone product?
No. Electronic Doctor is only available as part of a bundle and cannot be purchased separately.
Loan Protection & Care
Includes: Loan Protection Electronic Doctor
All-in-One Protection
Includes: Loan Protection Electronic Doctor Personal Accident Coverage
How do I file a claim for Electronic Doctor?
Claims are not applicable for Electronic Doctor, as it is a digital service and not an insurance product.
How do I access Electronic Doctor?
After your loan with the applicable bundle is approved, you will receive an email from Call4Life. The email will include...
Accidental Death or Permanent Disablement
PHP 50,000 cash assistance Paid in the event of death or permanent disablement due to an accident
Unprovoked Murder & Assault
PHP 50,000 cash assistance Covers accidental bodily injury sustained when the insured becomes a victim of unprovoked mur...
Accidental Burial Assistance
PHP 5,000 cash assistance Paid in the event of death due to an accident
Daily Hospital Income Benefit
PHP 500 per day, up to a maximum of 5 days Paid when the insured is hospitalized due to accident or illness
Fire / Flood Loss Assistance
PHP 15,000 cash assistance Covers total loss or total damage to property due to fire or flood at the insured’s residence...
What incidents are covered under this plan?
The Personal Accident plan covers incidents that occur: 24 hours a day, both on and off the job While flying as a fare-p...
Who is insured under this plan?
The borrower Property, in the case of Fire or Flood Loss Assistance
Who is eligible for Personal Accident coverage?
Borrowers aged 18 to 65 years old
Accidental Death
Death Certificate (original or certified true copy) Police Report (vehicular accidents) Incident Report (non-vehicular a...
Permanent Disablement
Police or Incident Report Medical Certificate Clinical summary Operating Room record (if applicable)
Fire Loss Assistance
Police or Investigative Report Bureau of Fire Protection Certification Barangay Certificate (proof of residence) Photos ...
Flood Loss Assistance
Police or Investigative Report PAGASA report Barangay Certificate (proof of residence) Photos of damaged property
How long do I have to file a claim?
Claims must be filed within 30 days from the date of the incident. Flexi Skyro Flexi is a value-added service (VAS) that...