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 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 App Gallery.
2. Open the Salmon app and select “Get started” 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. Fill in your personal information and verify your email address.
6. Enter your address and additional details.
7. Provide information about your income. Make sure to include all sources of income with full transparency.
8. Scan your face. Ensure your face is clear, without a hat or glasses, and that you're in a bright environment.
9. Scan your ID. Carefully check the document options and choose the correct one.
10. Give us a few minutes to process the application. You'll receive a push notification to inform you about the result.
11. 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.

For existing Salmon customers
 

Salmon Credit is available to customers with a good payment history with Salmon Financing. Eligible customers will be notified via push notification, SMS, or a banner in the Salmon app where they can apply.
 

Existing customers can also apply at selected partner stores with the help of a Sales Ambassador. You may check our list of partner stores here: List of Partner Stores for Salmon Credit Application.pdf

Once approved, customers can enjoy seamless access to their Salmon Credit line without the need to reapply. Their credit remains available anytime, providing flexibility for planned or unexpected expenses.

To keep the credit line active, they must make at least the minimum payment each month. If a payment is missed, the credit line will be temporarily locked until the 

However, your credit line will be temporarily locked if you do not pay at least the minimum amount due every month. required amount is settled. Regular payments not only ensure uninterrupted access but also help build a positive credit history, potentially increasing their available credit limit over time.

• 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

There are two ways you can make repayments for your Salmon loan products:

• Using the Salmon app - The most secure repayment method with no additional fees.
• Without the Salmon app - Use the mobile number you registered during the application process to make payments through e-wallets, bank apps, or self-service kiosks.

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, BDO, and BPI)
  • The Salmon app will redirect you to your selected bank’s app to complete your payment.

• Over-the-counter (7-Eleven, Cebuana Lhuillier, and SM Bills Payment)
  • 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

You can still make payments easily using the self-service kiosks or mobile apps listed below:

• Self-service kiosks Find the nearest CLiQQ, ECPay, or eTap kiosk and 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: Open any of the listed apps and find Salmon under the “Bills” section
  • GCash/Maya
  • Maya
  • Globe
  • BDO
  • PalawanPay