Digital consumer finance platform Skyro disbursed PHP 15.8 billion (over US$280 million) in the Philippines in 2025. This volume represents a 2.6 fold increase in loan disbursements year on year.
The company also doubled the number of loans issued during the twelve month period.
Over the two year period from 2023 to 2025, cumulative growth reached approximately 5.9 fold in loans issued and 8.7 fold in disbursement value.
Skyro provides point of sale instalment loans, cash loans, and credit lines.
AI credit scoring and user expansion
The number of registered users on the Skyro platform reached 6.3 million at the end of 2025, with the total customer base doubling over the year.
The average loan size grew by nearly 30% year on year. The platform attributes this change to a shift towards larger ticket products.
Skyro noted that its loan portfolio risk decreased during the year, citing its AI driven scoring system as the primary driver for the improvement.
“We are proud to deliver multiple fold growth in our loan portfolio, significantly outpacing the overall expansion of consumer lending in the Philippines,”
said Nasim Aliev, Co-founder of Skyro.
Aliev added that the company remains focused on delivering digital finance tools that enhance customer experience.
International expansion plans
The platform plans to use its performance in unsecured lending as a base for broader operations.
“Our success in unsecured lending in the Philippines provides a strong foundation for expansion into additional fintech products and new jurisdictions across developing markets,”
said Arsen Liametov, Co-founder of Skyro.
Liametov added that the company relies on a multinational team of more than 600 fintech professionals with experience across more than 20 markets to support international scaling.
Growth in merchant networks
Skyro also expanded its merchant partner network in 2025, with the online channel showing the highest growth rate.
The number of online partners grew by 405%, following a targeted push into e-commerce point of sale lending.
The offline network added 631 new merchant locations, representing a 50% growth rate.
By the end of 2025, Skyro partnered with more than 2,000 merchants, covering nearly 9,000 physical stores.
Featured image credit: Edited by Fintech News Philippines, based on image by Lanfira via Magnific
