Holiday Shopping Hack Unlocked: Shop Now and Pay for it up to 62 days Later with Zero Interest, using Salmon Credit!

Holiday shopping just got way smarter. This season of giving, you can pick up gifts for your loved ones (or yourself!) and pay for them up to 62 days later, with zero interest. The hack is simple: pay with Salmon Credit via QR PH, or your virtual or physical Salmon card, and settle your bill on or before your due date. That’s it.

Salmon Credit is a flexible revolving credit line with a free card, and it works as your ultimate holiday shopping sidekick. It gives you the freedom to shop now and settle after the celebrations, with a credit limit of up to PHP 250,000 to support everything from big purchases to everyday finds.

There are many ways to pay with it – via your Salmon physical card, virtual card for online purchases, or QR PH. You can use it in malls, online stores, or restaurants where Visa, Mastercard or QR PH is accepted. Unlike many traditional credit cards, there are no annual fees. And most importantly, you get approved within 10 minutes and may use it on the spot.

But here’s the real win: if you shop using QR PH or your Salmon Card, and pay in full on or before your due date, you skip paying interest. These purchases get a grace period of up to 62 days, letting you enjoy the holidays now and pay later – without spending extra. There is, however, interest if you go past 62 days or withdraw cash from the card.
Here’s how Salmon Credit’s grace period works: 

The grace period starts on the day after your purchase date, up to the statement date, and lasts until your payment due date. Paying in full within this period lets you skip paying interest. 

Statement date is the date we issue the billing statement, summarizing your purchases for the month. You’ll receive this on a set schedule each month.

Payment due date is the deadline for paying the amount listed in your billing statement. This comes 30 days after your statement date. 

Let’s say your current billing cycle runs from December 19, 2025 to January 19, 2026. The statement date for your latest purchases is on January 19, 2026 and your payment due date will be on February 19, 2026. 

If you shop on December 19, you’ll have up to 62 days to pay with no interest. Meanwhile, when you shop the next day, on December 20, you will have one day less – 61 days to pay. This is because the available payment period decreases by one day when you pay later in the billing cycle. 

In summary: Shop from December 19, 2025 to January 19, 2026 → get your billing on January 19, 2026 → pay on or before February 19, 2026 with no added interest.

Settling your Salmon Credit bill is easy. Simply open “Cash In” from your app, select “Full statement balance”, and pay for it using your preferred fund source. 

So, if you want to treat your loved ones (and yourself) this holiday season without draining your December budget, this shopping hack might just be your new favorite gift. 

Make Salmon Credit your holiday essential. Download the Salmon app on Google Playstore and Apple AppStore and register an account. For more details, visit https://salmon.ph/salmon-credit. 

Terms and Conditions apply. Salmon Credit is a product offered by Sunprime Finance Inc. LoanOnline, powered by the Salmon app, serves as the online lending platform for Sunprime Finance Inc. a licensed financing company regulated by the SEC with CA No. 1241 and CR No. CS201916698.