Holiday shopping just got a smart upgrade. This season of giving, you can buy gifts for everyone on your list—or even treat yourself—and pay for them up to 62 days later with zero interest using Salmon Credit.
The hack is simple. Pay using Salmon Credit via QR PH, or with your virtual or physical Salmon card, then settle your bill in full on or before your due date. No complicated steps, no hidden catches.
Salmon Credit is a flexible revolving credit line that comes with a free card and works as your reliable holiday shopping sidekick. With a credit limit of up to P250,000, it gives you breathing room for both big-ticket purchases and everyday finds—without squeezing your December budget.
You can use Salmon Credit almost anywhere: malls, online stores, and restaurants that accept Visa, Mastercard, or QR PH. Unlike many traditional credit cards, there are no annual fees. Approval takes as little as 10 minutes, and once approved, you can use it immediately.
Here’s where it really stands out. When you shop using QR PH or your Salmon card and pay your balance in full within the grace period, you pay zero interest. Depending on when you shop in your billing cycle, that grace period can be as long as 62 days. Interest only applies if you go beyond the due date or make a cash withdrawal.
The grace period works like this. It starts the day after your purchase date and runs until your payment due date. Your statement date is when your monthly billing summary is issued, while your payment due date falls 30 days after that statement date. If, for example, your billing cycle runs from December 19, 2025 to January 19, 2026, your statement date is January 19 and your due date is February 19.
A purchase made on December 19 gives you the full 62 days to pay with no interest, while a purchase on December 20 gives you 61 days, since the available payment window shortens as the cycle progresses. In short: shop between December 19 and January 19, get billed on January 19, and pay on or before February 19 with no added interest.
Paying your bill is just as easy. Open the app, tap “Cash In,” select “Full statement balance,” and pay using your preferred funding source.
If you want to enjoy the holidays without emptying your wallet before the year ends, this shopping hack might be the gift you give yourself. Make Salmon Credit part of your holiday essentials by downloading the Salmon app on Google Play Store or Apple App Store and registering an account. More details are available at salmon.ph/salmon-credit.
Terms and conditions apply. Salmon Credit is offered by Sunprime Finance Inc.. LoanOnline, powered by the Salmon app, serves as the online lending platform of Sunprime Finance Inc., a licensed financing company regulated by the Securities and Exchange Commission under CA No. 1241 and CR No. CS201916698.