Skyro vs Utang Free PH

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

Utang everywhere? Hindi mo na kailangan manghula kung paano ka makakaahon. Utang Free PH helps Filipinos organize their debts, build a realistic payoff plan, and finally see the finish line. In just 5 minutes, you’ll know: * The exact month and year you’ll become debt-free * Which debts to pay first to save the most interest * Your real monthly budget after tax, SSS, PhilHealth, and Pag-IBIG * A step-by-step payoff plan you can actually follow Built specifically for the Philippines — not generic US budgeting apps. Supports real Filipino lenders like: BDO, BPI, Metrobank, RCBC, GCash GCredit, Maya Credit, BillEase, Cashalo, ShopeePay Later, Home Credit, Pag-IBIG MPL, SSS Salary Loan, and many more. ## WHY FILIPINOS LOVE IT Most people juggle multiple debts but never see the full picture. One app says “minimum due,” another says “payment overdue,” and somehow your salary disappears before month-end. Utang Free PH changes that. You’ll finally see: * How much you actually owe * How long it will take to finish * How much interest is eating your money * And the smartest path out No spreadsheets. No complicated finance terms. No judgment. Just a clear plan. PRIVATE BY DESIGN Your financial data is yours — period. * No account required * No cloud sync * No tracking * No ads * No analytics * Everything stays encrypted on your device We cannot see your debts, salary, or progress even if we wanted to. FEATURES Smart Income Calculator Automatically computes your real take-home pay using TRAIN Law tax brackets, SSS, PhilHealth, and Pag-IBIG contributions. 64+ Philippine Lenders Built In Preloaded with PH banks, digital lenders, salary loans, and government loans — complete with adjustable interest rates. Debt Payoff Simulator Compare Avalanche vs Snowball strategies side-by-side and choose what works best for your life. Personalized Debt Strategy Get a practical Taglish action plan based on your actual income and debts. Monthly Debt Schedule Know exactly what to pay each month and track your progress over time. Payment Tracking + Due Date Reminders Stay consistent and avoid missed payments. Export to PDF or CSV Keep a copy, share with your spouse, or bring it to a financial advisor. 100% FREE No subscriptions. No premium unlocks. No “free trial.” No hidden paywall. Because getting out of debt shouldn’t cost more money. Made to help. Made for Filipinos. Mahabang laban, pero kaya. One payment at a time.