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 amount, including all fees and value-added services (but not interest), within your Zero Period, you won’t be charged any interest at all.

If you’re unable to pay in full within the Zero Period, your loan will continue as scheduled, with interest based on your original payment term.

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 to pay off your full Skyro loan and keep it completely interest-free.

Your Zero Period depends on your installment term. Here’s how it works:

• 6-month or 9-month installment — the first 3 months are your Zero Period

• 12-month installment — the first 6 months are your Zero Period
  

Make sure to complete your full payment within this period to keep your loan interest-free.

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 agreement and in the confirmation email we send.

To enjoy 0% interest, simply pay your full loan within your Zero Period.

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 amount

• The origination fee

• The total cost of value-added services (VAS), such as Device Protection, Extended Warranty, Goods Protection, Electronic Doctor, and Personal Accident Insurance (excluding Loan Protection and Flexi)
  

You can pay in full through the Skyro app or by contacting Customer Care for assistance.

Please note: The amount needed to fully pay off your loan during the Zero Period is usually higher than your regular monthly installment. That’s because you’re paying the full balance early, not just following the scheduled monthly amount.

If you’re planning to pay in full, it’s best to contact Customer Care so we can guide you on the exact amount and next steps.

Important reminder: For your safety, never give your payment to Skyro agents or employees. Always pay through Skyro’s official payment channels only and keep your receipt as proof of payment for reference.

Here’s a sample computation:

Let’s say your financed amount is ₱10,000. Under the Zero Plan, you have two ways to pay it off with 0% interest within the Zero Period:

Option 1:

Divide ₱10,000 equally over 3 months.
That’s ₱3,333 per month.
By the end of month 3, your loan is fully paid with no interest charged.

Option 2:

Pay smaller monthly amounts in the first two months — ₱1,964 in month 1 and ₱1,964 in month 2 — then pay the remaining ₱6,072 in month.

Your loan is still fully paid within the Zero Period, so you keep 0% interest.

If you don’t complete your loan within the Zero Period, your loan will continue under your regular payment plan with 5.9% interest.

In that case, you’ll pay ₱1,924 per month for 6 months, for a total of ₱11,543, which includes interest.

Note: This is only a sample computation. Your final amount may change depending on your loan terms. Please refer to your loan agreement or contact Skyro Customer Care to confirm your exact Zero Plan amounts.

Learn more about the Skyro Zero Plan here.