Comparison

SurfCoins vs Skyro Philippines

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SurfCoins

Features
Read full description

Ang Surf2Sawa ay ang unang Internet Service Provider na nag papalinya ng Prepaid Fiber Internet. Mas mabilis at steady na koneksyon, ginawang mas affordable dahil pwede siyang iloadan lang pag kailangan! Ang SurfCoins App ay ginagamit pang top-up, manage, at monitor ng iyong Surf2Sawa Prepaid Fiber account. Sa App na ito maaari mo siyang gamitin para sa mga susunod: - Check Remaining Unli-Surf Time - Track Device Usage - Top-up your S2S Prepaid Fiber - Transfer Credits o SurfCoins sa ibang mga users. FAQs Para kanino ang SurfCoins App? - Para sa mga subscriber ng Surf2Sawa Prepaid Fiber. - Paalala: Kailangan magpalinya muna! Maginquire lang sa ating FB page: S2S Internet Paano mag register? - Gagawa ka lang ng account. Ireregister ang iyong Surf2Sawa Prepaid Fiber Device at kaya mo nang imanage ang iyong Internet Device.

About

Skyro Philippines

This app offers flexible and transparent financing solutions in the Philippines. It provides options for installment purchases, online cash loans, and a reusable credit line, all designed for ease of use and quick approval. Users can manage payments, adjust due dates, and receive support through the app.

Highlights
  • Flexible installment purchases with partner stores
  • Online cash loans for various expenses
  • Reusable credit line for easy shopping
  • Apply and get approved in minutes
  • Transparent terms with no hidden fees
  • Adjust due dates and payment amounts
  • Multiple payment options and in-app wallet
Features
Read full description

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

Screenshots

SurfCoins4 screens
Skyro Philippines4 screens

Verdict

The call

The clearest difference is update cadence: Skyro Philippines at every 8 days against SurfCoins's every 6 weeks. SurfCoins's advantage is device support (3 vs 1) and iOS requirement (10.0 vs 16.0). On price, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SurfCoins ships an update every 6 weeks, Skyro Philippines every 8 days. The most recent releases landed on October 25, 2026 and October 27, 2026 respectively.

Scorecard3 real differences · 7 level
SurfCoins versus Skyro Philippines: the parameters behind the verdict, then further details
ParameterSurfCoinsSkyro Philippines
PriceFreeFree
Rating—4.8 (123 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—123 — better
Update frequencyEvery 6 weeksEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS10.0 — better16.0
Further details — not scored
Size73 MB343 MB
Age rating12+4+
DeveloperJK2L2Breeze Ventures Pte. Ltd.

In-app purchases

None

SurfCoins

No in-app purchases

None

Skyro Philippines

No in-app purchases

Questions

Is SurfCoins free?
SurfCoins is free to download, with no in-app purchases.
Is Skyro Philippines free?
Skyro Philippines is free to download, with no in-app purchases.
Do SurfCoins or Skyro Philippines have ads?
Neither SurfCoins nor Skyro Philippines shows ads.
Which is updated more often, SurfCoins or Skyro Philippines?
SurfCoins ships an update every 6 weeks, and Skyro Philippines every 8 days. Most recently, SurfCoins was updated on October 25, 2026 and Skyro Philippines on October 27, 2026.

Other comparisons