Credit without the card and the hassle

Salmon Credit is a revolving credit line that allows you to borrow money as needed up to a set credit limit. You can borrow as many times as you need, as long as you pay at least the minimum amount due every month. You'll also only pay interest on the money you use.

For existing or former Salmon customers
Salmon Credit is available to customers who have used Salmon Financing without any payment delays. Eligible customers will be notified via a push notification, SMS, or a special banner in the Salmon app.

For New Salmon customers
New Salmon clients can apply for Salmon Credit directly in the Salmon app.

1. Download the Salmon app for free on iOS, Android, or Huawei.
2. Open the Salmon app and select “New Customer” to start the application process.
3. Enter an active Philippine mobile number we can register to your Salmon account.
4. Verify the mobile number by entering the OTP (one-time password) we’ll send via SMS.
5. Complete the application forms with accurate information about you and your finances.
6. Give us a few minutes to process the application. You’ll receive a push notification to inform you about the result.
7. If you’re approved, review and sign your Salmon Credit Agreement with an OTP.

Your credit line is ready to use after signing your Salmon Credit Agreement.

Remember that you only need to apply once to use the credit line as much as you want.

However, your credit line will be temporarily locked if you do not pay at least the minimum amount due every month.

Here are the IDs you can submit for your loan application:

• Unified Multi-Purpose Identification (UMID) Card
• Driver’s License
• Voter’s ID
• PhilSys ID (Philippine Identification System ID)
• Social Security System (SSS) Card
• Philippine passport
• PRC ID (Professional Regulation Commission ID)
• Postal ID

For online loan applications
PRC and Voter’s IDs are not accepted. Also, we only accept the plastic card PhilSys ID, not the digital version.

Log in to the Salmon app using the mobile phone number you provided during registration. Once logged in, select the loan product you wish to repay from the options available on the Home screen.
After reviewing your payment due dates and amount dues, tap "Go to payment" and choose a payment method.

You have four (4) repayment options:

• QR Ph: The fastest way to repay. Just generate a QR code in the Salmon app and upload it to any e-wallet or bank to repay. No need for manual log in with OTP
• E-wallets (GCash and Maya): The Salmon app redirects to your e-wallet of choice, where you can repay the loan
• Over-the-counter services (7-Eleven, Cebuana Lhuillier, SM Bills Payments, and MLhuillier): To use these services, get payment details from the app and go to one of the branches of these over-the-counter services to repay your loan
• Online banking (UnionBank, RCBC, BDO, and BPI): The Salmon app redirects to your bank of choice, where you can repay the loan.

Follow the on-screen instructions to make the payment. Payments are posted in real-time, with confirmation via SMS or push notification.

You can also repay your loan by logging into your account on the Salmon website.

• Go to the Salmon website
• Click on "Log In"
• Select "For customers"
• Enter your Salmon-registered mobile number and log in via OTP
• Check your due date and the amount due
• Select your preferred payment method and click "pay"

If you had trouble with these methods, you can ask for help from Salmon Customer Care on Messenger.