Product Loan
Shop appliance on installment at SM Appliance Center
Get your dream appliances at SM via easy installments with Salmon
Appliance installment calculator
Find your appliance's retail price at SM online, then enter the amount below to see your estimated monthly payments
Terms and Conditions apply. POS Loans is a product offered by Salmon Finance Inc. (formerly Sunprime Finance Inc.) LoanOnline, powered by the Salmon app, serves as the online lending platform for Salmon Finance Inc., a licensed financing company regulated by the SEC with CA No. 1241 and CR No. CS201916698.
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How Salmon installments work
Don’t pay in full — pay online for your SM appliance with an easy installment plan. Salmon’s application starts online and takes just a few simple steps
Choose your appliance
Find the appliance with your desired specs. Refer to the catalog and the installment calculator to determine the price and loan terms that fit your budget.
Apply within a few minutes
Fill out a short form with your personal and financial information. The entire process only takes a few minutes, with quick approval to follow. You may also apply via Salmon app.
Get approved and pick up your new appliance
Submit your easy application online. Once approved, confirm the installment terms online, then visit SM Appliance Center to pick up your new appliance.
Easy requirements to apply for appliance installment
Meet the criteria to get instant approval online, and finalize the total cost of your appliance at SM
Must be Filipino and at least 18 years old
One valid government ID
Stable income
Email and Philippine mobile number
Why choose Salmon for installment
Choose a plan with a fast application process, clear, upfront payment terms and without credit card requirement
Wide selection
Upgrade your home by choosing from the latest appliance models available in our catalog.
Competitive pricing
Price list includes a transparent breakdown of costs, monthly installments with interest — no hidden fees.
Convenient shopping
The process starts online — from browsing appliances, to applying for installment. Then, pick up your new appliance at an SM Appliance Center.
FAQ
To get a product purchase loan, first find a store that is a Salmon partner in our location directory. Once you're in the store, locate a Salmon Ambassador who will tell you about the terms, advise on what products you can buy on credit, help you fill out an application, and obtain the loan.
You may chat with Salmon Customer Service via our In-App Chat to know the nearest partner store in your area. To do so, first open the Salmon app, tap Help, and then, tap Customer Service.
To be eligible for a loan, you must be a Filipino citizen aged 18 or above with a stable income, whether from employment, self-employment, business, or remittances. You need at least one valid ID from the list, an iOS or Android phone, and a mobile number and email that only you use and own.
Before visiting the store, make sure to check all the requirements to avail a loan.
If you're a new Salmon client, you have the exclusive opportunity to apply for Salmon Credit Line directly within the app.
There are two ways you can make repayments for your loans at Salmon:
- Using the Salmon app — the most secure repayment method with no additional fees.
- Without the Salmon app — make repayments through external channels like e-wallets, bank apps, or self-service kiosks. Please note that some fees may apply , which are collected by our payment partners.
Using the Salmon app
Log in to the Salmon app using the mobile number you registered during the application process. Once logged in, select the loan product you wish to repay from the options available on the Home screen.
GCash / Maya (Recommended)
The fastest and easiest option: select GCash or Maya, generate the QR Ph code, and upload it to your chosen e-wallet app.
Banks (UnionBank, RCBC, and BPI)
The Salmon app will redirect you to your selected bank’s app to complete your payment.
Over-the-counter (7-Eleven and Cebuana Lhuillier)
Generate your payment barcode/code from the app and visit one of the listed partners to make your repayment.
All repayments made through the Salmon app come with no transaction fees with instant SMS/push confirmation of your repayment, and our support team is available 24/7 to help you along the way in case of any questions or requests.
If you haven’t downloaded the Salmon app yet, please download it here.
Without the Salmon app
Outside the Salmon app, you can pay through various self-service kiosks or our partners’ apps.
To make your payment, remember to use your loan account number. You can easily find this in the Salmon app. Just tap your loan product on the Home screen and check the Account details section.
Self-service kiosks
Look for Salmon under the “Bills” section:
- CLiQQ — available at 7-Eleven stores nationwide
- ECPay — available at TrueMoney, Puregold, and other partner outlets
- eTap — available in select locations
Mobile apps
Find Salmon under Bill Payments in:
- GCash / Maya
- Globe
- BDO
- PalawanPay
An ₱18 service fee applies when you pay through these services. This fee is charged by our payment partners. Payments made through the Salmon app remain free of charge.
