We build a digital-first finance platform shaped around local rhythms
$600M
Disbursed on Philippines
9,000
Merchant partners
7M
Skyro app user base
Finance
that sees
you
Made for every life that never fit the financial template. Loans, BNPL, savings, investments and remittance design around life moments all in one place
We began in the Philippines in 2022. We saw how people stretched their paychecks, supported their families, and managed between paydays. Then we built products around the way they already lived
Today, Skyro is 600 people from 50 nationalities, rooted in the culture of every market we serve and shaped by the realities of everyday life across the GCC, South Asia, Africa, and beyond
$600M
Disbursed on Philippines
9,000
Merchant partners
7M
Skyro app user base
Whatever season you're in, Skyro is already there
Cash for whatever life brings
0% interest, for as long as you need
Approved in minutes — no paperwork, no waiting
Repay on a schedule that fits your life
Full control of your limit, balance & activity
Pay for purchases with a QR code
Pay anywhere with QR PH
1% cashback on every purchase
Zero fees, every time
Instant confirmation, wherever you scan
Soon
Transfer money to other wallets and banks
Zero fees on every transfer
Send to any wallet or bank, instantly
Track every transaction in real time
Full control of your balance & limit
Soon
Invest and grow your capital
Real-time portfolio tracking, always in view
Analytical forecasts to guide your next move
Start with what you have, grow at your own pace
Full visibility into every investment
Best CX & simplicity
Instant payment calculation and transparent terms before you click “Confirm”
AI-forward tech
Our algorithms analyse your spending patterns to select the optimal payment term and amount, helping you to spend less
Cybersecurity
Each transaction is securely verified, with Zero Trust security protecting customer data
Different
skies. One
belief
Most fintech brands compete on products, speed, features and efficiency. We bring new perspective of finance built around people, culture and real life
We are a human-centred financial partner that understands culture, communities and everyday rhythms
Your financial reality shapes our products — not the other way around
Savings that grow. Loans that get repaid. Real outcomes, not engagement metrics
A budget tool that knows your cultural calendar. Built around harvest seasons, school terms, and Ramadan budgets
You see exactly what you owe, when, and why, before you agree to anything
Your financial reality shapes our products — not the other way around
New
skies ahead
Operating locally across Southeast Asia, the GCC, and Africa
Malaysia
Finance solution builds for Malaysia consumer
Philippines
From smart credit line to daily banking
Saudi Arabia
Simplified checkout and flexible payments
Great global products belong to local culture. Be who you are and grow where you stand
Skyro shows up for every celebration, every milestone, every first step
Skyro has been helping me with most if not all of my budgeting with my salary being somewhat short in some cases.
Reliable app, application is easy. Got my loan in 2 hours because they need to undergo verification of my identity first.
The best app! Fast transaction and no hassle requirements. They provide what you need either a product loan or a cash loan. The one thing I suggest is that hoping to purchase in-store like supermarkets.
Honestly I find skyro a friendly loan provider. Easy to transact and fast approval. You don't have to worry about their services coz it's easy to apply and you're guided by their friendly loan representative.
Easy to apply fast approval and flexible repayment.
Totally amazing how fast the process was, i got my new phone! Thanks skyro looki forward for my next transaction with you.
Skyro has been helping me with most if not all of my budgeting with my salary being somewhat short in some cases.
Reliable app, application is easy. Got my loan in 2 hours because they need to undergo verification of my identity first.
The best app! Fast transaction and no hassle requirements. They provide what you need either a product loan or a cash loan. The one thing I suggest is that hoping to purchase in-store like supermarkets.
Honestly I find skyro a friendly loan provider. Easy to transact and fast approval. You don't have to worry about their services coz it's easy to apply and you're guided by their friendly loan representative.
Easy to apply fast approval and flexible repayment.
Totally amazing how fast the process was, i got my new phone! Thanks skyro looki forward for my next transaction with you.
Skyro has been helping me with most if not all of my budgeting with my salary being somewhat short in some cases.
Reliable app, application is easy. Got my loan in 2 hours because they need to undergo verification of my identity first.
The best app! Fast transaction and no hassle requirements. They provide what you need either a product loan or a cash loan. The one thing I suggest is that hoping to purchase in-store like supermarkets.
Honestly I find skyro a friendly loan provider. Easy to transact and fast approval. You don't have to worry about their services coz it's easy to apply and you're guided by their friendly loan representative.
Easy to apply fast approval and flexible repayment.
Totally amazing how fast the process was, i got my new phone! Thanks skyro looki forward for my next transaction with you.
Naturally,
yours
FAQ
Yes. Skyro operates through local regulated entities in each market. Our parent holding, Breeze Ventures Holding W.L.L., is headquartered in the Kingdom of Bahrain and structured as an independent international venture with a multi-market regulatory mandate. All lending operations comply with local financial regulators in each country of presence.
Skyro's most mature market is the Philippines, where we serve over 1 million active customers through 3,700+ partner merchants and 8,000+ store locations. We are actively expanding into Southeast Asia and Africa — with ambitions to reach 10–15 countries in the coming years.
Skyro's core today is digital consumer lending — Point-of-Sale (PoS) financing, Buy Now Pay Later (BNPL), and Credit Line. Product availability varies by market.
Skyro is primarily a B2C digital finance platform accessible via mobile app. We also have B2B products — including Skyro Connect (merchant checkout) and Tadum (SME financing) — making us a full-stack financial ecosystem for both consumers and businesses.
As of mid of 2026, Skyro manages a credit portfolio exceeding USD 200 million, serves over 1 million active customers, and works with 3,700+ partner merchants across 8,000+ store locations in the Philippines alone. The broader team includes 600+ headquarters and tech professionals globally, supported by 2,500–3,000 field staff.
AI is at the core of everything we do. Skyro operates a fully AI-automated customer lifecycle — from onboarding and verification to credit decision-making, collections, and customer care. Our proprietary ML models process thousands of alternative data points (devices, telecoms, transactional data) within seconds to build tailored credit profiles. We also use voice robotics and digital humans to enhance service efficiency.
Made in React BricksSkyro
Breeze Ventures Holding W.L.L. Kingdom of Bahrain
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This is a corporate information website. Financial products and services are provided by locally licensed Skyro group companies under their own terms.
