Credit without the card and the hassle

Salmon Credit Line is a revolving credit facility that lets you borrow funds as needed up to your approved credit limit. You can borrow multiple times, provided you pay at least the minimum amount due each month. Interest is charged only on the amount you use.

New Salmon clients can apply for a Credit Line directly in the Salmon app.

For New Salmon customers

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 your mobile number by entering the OTP (one-time password) we’ll send via SMS.

5. Enter 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. Have your face scanned. 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 select the correct one you're using.

10. Give us a few minutes to process your application. You'll receive a push notification which will 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 Credit Line Agreement.

New customers can also get a physical access card by applying at any of our select locations (check our location directory here) or by ordering via the Salmon app.

For existing Salmon customers

Salmon Credit Line is offered to customers that have used or are currently using Salmon Product Loan and have maintained a record of no payment delays. If such an offer becomes available to you, you’ll receive a push notification, SMS, or a special banner in the Salmon app. 

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

To maintain an active credit line, customers must make at least the minimum payment each month. Failure to pay the minimum amount due will result in a temporary lock on the credit line until the required payment is made. Consistently making payments not only ensures uninterrupted access but also contributes to building a positive credit history, which may lead to an increase in the available credit limit over time.

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.