BillEase - Buy Now, Pay Later 4+

Shop on Installments PH

First Digital Finance Corporation

Designed for iPhone

    • Free

iPhone Screenshots


BillEase makes your online shopping affordable and convenient by spreading your payments into simple installment plans. Just find what you want at any of our online merchant stores, choose Pay with BillEase, and enjoy your flexible monthly payments. You can also unlock exciting features with every successful repayment!

BillEase is the best shopping finance experience in the Philippines!

Paying with BillEase is more convenient than SSS loans, consumer loans, or cash credit. Buy what you want today directly on Lazada or at any of our merchants and select to pay with BillEase. That will split your purchase in convenient installments. We’ll let you know when your payments are due ahead of time. Collateral or down payment are not needed. Borrow money for shopping quick and online.The credit approval process is super easy and super fast! Most customers who apply on our app can get an instant decision and can get credit immediately. And you don’t have to deal with the credit money. Just shop and enjoy!

BillEase is built for the digital age. Secure transactions through integration in our merchant partner’s checkout process. No credit card numbers to worry about. Always keep track of your transactions in our app.

Lazada, Anson’s, Kimstore, Mandaue Foam, GameOne, Ram, DC Shoes, Datablitz, Flowerstore, Toshiba, Babymama, Laptop Factory, Linen & Homes, Perfume Philippines, Home.MNL, Analog Daily, and hundreds of other merchants. 0% interest at these merchants: Refocus,, Monarc, Linen & Homes, Nakto PH, My Tread Pad Load your phone and just settle the exact amount on your next due date. No interest or fees added. GCash, Paymaya, and GrabPay top-ups are also available.

Enjoy the benefits without paying upfront. We charge the lowest interest rate at only 3.49% monthly. Watch out for our 0% APR promo with selected merchants and mobile load.

You can easily pay your installments via InstaPay or PESONet, direct bank deposits,, or at over 22,000 7-Eleven, Cebuana, and MLhuillier retail outlets.

What you see is what you pay - no hidden fees. Our app lets you configure your installments and see the exact amount you will pay every month upfront. Before availing we will always generate a Disclosure Statement in compliance with the Truth in Lending Act for you to avoid surprises.

- Monthly interest rate ranges from 0% to 3.49%
- Annual Percentage Rate (APR) of our installment plans ranges from 0% to 41.88%
- Service charges range from 0%-10% - Loan amounts range from PhP 500 - 50,000
- Installment terms are flexible from 2 to 12 month

3 month Lazada Installment plan for PhP 12,000.
-We will disburse PhP 12,000 to your Lazada Wallet (no upfront deductions).
-You will need to repay in 3 monthly installments of PhP 4,539. This consists of PhP 4,000 Principal, PhP 419 Interest, PhP 120 Service Charge per installment.
-In total you will need to repay PhP 13,617 which includes PhP 12,000 Principal, PhP 1,257 Interest and PhP 360 Service Charge

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BillEase is a product of First Digital Finance Corporation (PSEC Registration Number: CS201516347) doing business under the Business Name: FDFC, Balikbayad, Billease. The company is regulated by Securities and Exchange Commission as a financing company (CoA No.: 1101) and by the Bangko Sentral ng Pilipinas as Operator of Payment System (OPSCOR-2021-0007).

What’s New

Version 4.15.0

May bago ba? YES! We have improved the checkout screen to make your BillEase experience smoother than ever! Mas pinaganda at mas madali na mag pay later! Update now and thank us later

Ratings and Reviews

4.5 out of 5
8K Ratings

8K Ratings

RamuelAsturiano ,

I Love BillEase!

Amazing Loan App. The app has a same-day cash release upon approval via Gcash Top Up. The interest rates are reasonable and not at all greedy. Repayment is a bit tricky and difficult but ultimately can be followed by anyone who knows their phone know-hows. Terms are so easy. I pay 2 times a month for 3 months. BillEase really lives up to its name—to ease you from your bills.

I just wish they have a cash availment system that goes straight to your bank without deducting the 10% from the actual loan. Using the Gcash Top Up, you’ll get a 10% deduction straight up. For example, if you top up 5000, you will only receive 4500 in actual funds.

But even with that system in place, I was able to loan 5400 in actual funds. Total repayment comes to 6588, 22% interest. Still amazing considering this rate is common among OLAs but loan term for them is only 7-10 days while BillEase gives you 3 months to repay.

MitchCaayaman ,


If only I could rate this app a ZERO or a NEGATIVE, i would. This has been by far the most disappointing and frustrating company to deal with! They have the worst app and the worst customer service. I have paid thru their app worth 2 weeks of repayment but they only credited one. I have reached out to them thru chat, call and email and they can't be reached to resolved my issue. I even asked someone to call me, but no one did! I provided them several times of all the proof that they need- email confirmation from them, bank transaction, and a screenshot on their app that I have made my payment. But they said they will not honor the proof of payment! So what happened is that it incurred penalties because they couldn't update their system of my payment! That's why I decide to pay over the supposed amount just to have all of my loans settled and be done with them! Such a horrible experience! The payment should've reflected on their end since I paid on their app! What's worse, chat agents that I spoke to were just giving me a generic canned response. It's like they are there for the sake of having one, but not to resolve any issue or concern! This company is quick to remind you that you have a bill due but not quick to resolve issues that is clearly their fault! That is why I UNINSTALLED THE APP! I AM DONE WITH FRAUDULENT BUSINESSES SUCH AS BILLEASE!!! SO PLEASE, DO NOT DOWNLOAD THIS APP! YOU WILL REGRET IT!

Developer Response ,

We regret that you were not fully satisfied with our service and we apologize if it takes longer than usual to process/attend to concern. Please note that we take our customer's concerns seriously and we are continuously working hard to resolve all of our customers' concerns.

There might be delay in posting of payment for some payment channels but please be informed that penalties (if there is) will be adjusted and we will update your account accordingly. And upon checking, your concern has been dealt with accordingly by our Collections Team. Thank you.

Shnnnf ,

easy and helpful

I only found out BillEase back in 2022 when purchased a phone instore and the rep offered me to do an installment via Billease cause I didn't had the ID yet before for Home Credit . I only used NBI that time and yet even I was only approved for 4k limit but the store was able to approved my installment loan for an order value of 51k ofc w down payment of 17k (it was an iphone 13 that year 2022) with that being said Billease is indeed helpful when it comes to financial necessity. I finished the 12month installment and they have increased my limit to 9k and I have tried to borrow some amount and always paid on time and they keep increasing my limit. I have now 10 closed paid loans and a few active and now my limit has increased to 19k . So if u don't have any credit card , BillEase is the answer 🫰🏻

App Privacy

The developer, First Digital Finance Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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