Skyro vs Empower: Advance & Credit Usage & Stats

Skyro Pocket offers a flexible and convenient credit line, also known as revolving credit, that works just like a credit card but without the plastic. You can use it anytime up to a limit and pay it back later, just like a credit card, but without the card. Why choose Skyro Pocket? 🔵 Free monthly cash-ins: No fees or commissions on your monthly cash-ins. 🔵 45-day interest-free period: Enjoy a renewable interest-free period every month, as long as you pay your balance on time. 🔵 No fees or commisions: Apply and use Skyro Pocket absolutely free. How to use Skyro Pocket Skyro Pocket can be used for everyday purchases wherever QR Ph is accepted (GCash, Maya, BDO, etc.). You can also make larger purchases by spending your entire limit at once. With access to over 600,000 stores nationwide, your Skyro Pocket is always ready to serve. How to pay With Skyro Pocket, you only pay for what you've spent. After 30 days from your first purchase, you'll receive your first billing statement with two payment options: 🔵 Interest-free payment: Cover the exact amount you've spent without any interest. Stick with this option to avoid paying any interest at all. 🔵 Minimum payment: This option requires just 10% of your credit limit as payment. A 7% interest rate applies only to the amount you’ve spent, not the full credit limit. Pay for a loan from the comfort of your home or in one of our over-the-counter partners near you. Online banks: 🔵 BDO 🔵 BPI 🔵 UnionBank E-wallets: 🔵 GCash 🔵 Maya 🔵 GrabPay OTC (over-the-counter): 🔵 7-Eleven 🔵 Bayad Center 🔵 Cebuana 🔵 DA5 🔵 ECPay 🔵 eTap 🔵 ExpressPay 🔵 M Lhuillier 🔵 Palawan Pawnshop 🔵 Posible 🔵 The SM Store 🔵 TrueMoney There is a ₱25 transaction fee when you pay using e-wallet or via over-the-counter partners. When paying via online banks, the transaction ranging from ₱10 to ₱25. Minimum period for repayment — 6 months. Maximum period for repayment — 12 months. Our maximum Annual Percentage Rate (APR) is 119% Here’s an example of the total cost of the loan: Total loan amount ₱15,000 Installment period 12 months Monthly payment ₱1,963 Origination fee ₱2490,00 Monthly interest rate 4.9% Total interest amount ₱6,006 Total amount due ₱23,556 To become a Skyro customer, you need to: 💙 be a Filipino citizen aged 23 to 65 years old; 💙 have a primary ID that states your current address; 💙 have a proper proof of your income; 💙 and have a smartphone with a valid mobile number. Advanced Finance Solutions, Inc. is certified by the Securities and Exchange Commission. Registration No.: 2022‍080063542-00. Financing company license No.: F-22-0029-37. Skyro Lending, Inc. (formerly Jungle Lending, Inc.) is licensed 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 Advanced Finance Solutions, Inc. and Skyro Lending, Inc. (formerly Jungle Lending, Inc.) are affiliate companies operating under the same brand name, SKYRO. © 2024 Advanced Finance Solutions, Inc. For more information, contact us: +63 919 170 0717 +632 8540 3337 care@skyro.ph

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Empower: Advance & Credit

Need extra cash to make it to your next paycheck? Empower’s got your back. Get an Advance of up to $300 instantly.* Say goodbye to overdraft fees and stressing about money. No credit score or security deposit to qualify. GET AN INSTANT ADVANCE OF $10 TO $300 Tight on cash and tired of asking friends to cover you? Empower will float you anywhere from $10 to $300 when you need it most. Instant delivery available. No interest, no late fees, no credit checks. Just pay us back when you get your next paycheck. An Advance is NOT a personal loan: — No mandatory minimum or maximum repayment timeframe — No interest (0% APR) — Example: If you accept a $50 instant Advance to your external account for a $3 instant delivery fee, then your total repayment amount will be $53. BUILD BETTER CREDIT HISTORY WITH THRIVE^ Credit score holding you back? Empower Thrive is the chance you’ve been waiting for. A flexible line of credit that helps you build the credit history you need to reach those big financial goals. All credit scores welcome and no money down. — Start with a $200, $250, or $400 credit limit — Repay it your way — Enjoy limit increases up to $1,000 over time** — Build good credit history START SAVING FOR THE FUTURE WITH AUTOMATIC SAVINGS Make investing in your future easier than ever with AutoSave. After you set your savings goal, Empower will monitor your income and spending habits to know when and how much you can afford to save. All you have to do is sit back and watch your savings grow. KEEP TABS ON YOUR CREDIT SCORE Watch your hard work pay off. We’ll give you monthly score updates and helpful tips to improve your score. Credit scores are complicated enough. We’ll help you understand it. GET FAST SERVICE We’ve got our A team on standby to handle your questions over the phone or live chat Monday-Friday from 6 AM – 6 PM PT. (We’ve got email too if that’s more your jam.) – Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. Empower offers a 14-day trial for first-time customers only. Once the trial concludes, Empower charges an auto-recurring $8/month subscription fee. If you do not wish to pay the subscription fee, you must cancel your subscription before the end of your trial. If you are a returning customer, you will be charged the $8 fee immediately upon resubscribing. Cancel any time by visiting “Billing” in the mobile app or contacting help@empower.me. By downloading/using the app you agree to our Privacy Policy (https://empower.me/privacy). * Not everyone will qualify for an Advance. Offer amounts range from $10 - $300. As of 3/31/2024, the average offer amount is $145. Instant delivery is optional, and fees may apply. See Empower’s Terms for instant delivery fee amounts. ^ Empower Thrive provided by FinWise Bank, Member FDIC. Subject to credit approval. We report your payments to the credit bureaus. Failure to make on-time payments may result in negative reporting. Instant delivery is optional, and fees may apply. **To be eligible for a credit limit increase, you must successfully pay at least your minimum payment by the due date. Empower Finance, Inc. 650 California Street, Floor 7 San Francisco, California 94108