Credit limit

a. How it works

Once your SkyroCredit is activated, you’ll receive a credit limit with a ready amount you can use to pay anywhere QR Ph is accepted. From sari-sari stores and drugstores to groceries, you can pay with SkyroCredit as long as you see a QR Ph code.

For new users
Want SkyroCredit? Start with a Product Loan first. Once you’ve signed your loan agreement, you will automatically get a reusable credit line. To increase your SkyroCredit limit, be sure to always pay on time. The better your payment history, the higher limit Skyro can offer you! 

Got an offer from Skyro, boss? Just sign the loan agreement using the OTP sent to your device to activate your SkyroCredit!

For existing Skyro customers
Once your SkyroCredit is activated, you’ll get a credit limit: this is the available amount you can use to shop anywhere QR Ph is accepted. Your starting limit can be anywhere from ₱1,000 to ₱6,000. Make sure to always pay on time to qualify for a higher credit limit of up to ₱100,000, boss!

b. How can I request to increase my limit?

To increase your SkyroCredit limit, always pay your SkyroCredit bill on time, boss. If you qualify, we’ll notify you and you’ll see a limit increase offer in your Skyro app. Your first increase may start at ₱1,000 or more, depending on the review of your account.

Here are a few things to remember:

If your limit increase is approved:

• You’ll receive a notification to accept the offer.

• The offer will stay visible in your Skyro app for 3 weeks.

About the offer validity:

• If you don’t accept the offer within 3 weeks, it will automatically expire.

• Once expired, the offer will disappear from your Skyro app and the increased limit will no longer be available.

c. How can I request to decrease my limit?

If you want to decrease your credit limit, please chat with us in the Skyro app so we can help you right away, boss!

d. Why was I given a low credit limit?

Your credit limit may start low, boss, but this amount can help you cover everyday expenses first. While it might not cover big purchases right away, you can still use it for daily needs, food trips, or quick grocery runs.

The good news? If you use SkyroCredit regularly and pay on time, your credit limit can increase over time — no need to reapply for a new loan, boss! The better your payment history, the more Skyro can offer you.