With so many lending apps available today, choosing one can feel overwhelming. Each offering something different for everyday needs, plans, and unexpected situations. To help make things clearer, we looked at five platforms: Skyro, Billease, Maya Easy Credit, Home Credit’s HC Qwarta, and GCash’s GCredit. To help make things clearer, we looked at five platforms: Skyro, BillEase, Maya Easy Credit, Home Credit’s HC Qwarta, and GCash’s GCredit. We compared key features like credit limits, interest-free periods, rewards, and fees, so you can see which option matches the way you live.
Available limit
SkyroCredit from Skyro gives an amount you can use for everyday payments through QR Ph When you use it and pay it back monthly, the amount becomes available again just like topping up your budget and using it whenever needed. With consistent on-time payments, the available limit can grow within a few months, sometimes even doubling from ₱5,000 to ₱100,000.
Billease offers limits up to ₱40,000. Maya Easy Credit ranges from ₱200 to ₱30,000. HC Qwarta allows borrowing up to ₱50,000 depending on evaluation. GCredit, powered by CIMB Bank inside the GCash app, offers up to ₱50,000 as well, with limits based on a user’s GScore and overall activity. All five support QR payments, making everyday spending smoother and more convenient.
If having a bigger amount available gives you more peace of mind for emergencies or bigger plans, SkyroCredit may offer higher limits depending on how well you pay.
Interest-free period
Each platform offers different interest-free options. Skyro gives up to 45 days interest-free if the full monthly balance is paid on time. Billease offers 0% to 3.49% monthly interest for installment plans. Maya has up to 30 days interest-free but includes a service fee while HC Qwarta starts interest daily. GCredit applies daily interest as well, with occasional promos offering lower rates during peak seasons.
A longer interest-free period can give you more breathing room to plan your payments and stay on top of your budget.
Cashback rewards
Skyro and Home Credit are the only ones that offer cashback or loyalty points. Skyro gives 1% cashback for every purchase worth ₱100 and above, letting customers earn points they can use as discounts later. Home Credit also offers loyalty points that can help reduce loan payments. GCredit typically focuses on bill payment convenience, though it has seasonal cashback promos for new users or selected billers.
Fees
For SkyroCredit, there are no service fees or processing charges. Customers are charged only for the amount they use, rather than the full credit limit. Making the minimum payment on time allows customers to keep using the credit line and avoid penalties or late fees. If only the minimum payment is made, a 7% interest is applied to the outstanding balance until it is paid off. No interest is charged on the unused portion of the credit limit.
Other financing providers apply different fee structures. Home Credit charges 5% of the total due for late payments, Billease may apply penalty fees, Maya includes service fees and penalties. GCredit has no processing fees but charges daily interest, with minimum payments (at least 10% of the total amount due).
With so many choices available, picking a financing partner often comes down to flexibility and clarity. For many Filipinos, SkyroCredit stands out for its straightforward fees, pay-only-what-you-use approach, and features designed to fit everyday spending habits. From flexible payments to rewards that come with regular use, SkyroCredit makes financing feel less like an obligation and more like a practical tool for everyday life.