BillEase - Buy Now, Pay Later 4+

Shop on Installments PH

First Digital Finance Corporation

Designed for iPhone

    • #8 in Finance
    • 4.7 • 5.8K Ratings
    • Free

iPhone Screenshots


Shop at your favorite stores. Buy now and pay later with easy installments.

Shop Now, Pay Later
You can buy now, pay later and enjoy hassle-free shopping with BillEase! At checkout, choose Pay Later, Pay in 4 installments, or Pay Monthly with only 1/3 upfront payment and terms up to 12 months in over 700+ stores. No credit card required. Download and sign up now!

Explore Promos and Discounts
Get exclusive discounts and installment offers as low as 0% APR (annual percentage rate) in select BillEase store partners. We offer the lowest interest rate for installments at only 3.49% per month.

How to Pay with BillEase
To Pay with BillEase, select BillEase as your payment method at the merchant's online checkout and choose the payment schedule you like best. For in-store payment, simply scan a QR code provided at the checkout counter. For social sellers, request for payment link to proceed.

Avail Personal Loan
Apply for an online cash loan in less than 5 minutes. Enjoy our fast disbursal and low interest personal loan product. Our loan product is more convenient than SSS loans, consumer loans or cash credit and you can reloan immediately after completing one loan cycle.

Top Up Your e-Wallet
Petsa de Peligro? Top up your e-wallet with BillEase. You can easily top up your GCash, PayMaya,, Lazada, ShopeePay, GrabPay, and Bayad wallet up to PhP 5,000.

Buy Loads and Game Credits
Choose from 100+ prepaid loads & promos – text, call, data, and combo promos from major Telco providers. Need new skins for your PUBG character or Mobile Legends hero? Instantly buy gaming PINs now and pay later, no interest! Non-stop gaming with Steam Wallet, Razer PIN, and Garena Shells.

Build Your Credit Score
Build credit while shopping. We promote responsible borrowing by providing a transparent and reliable all-in-one credit app that will help you shop with ease and access cash for your needs. You can build good credit history when you’re always on top of your loan repayments.

Convenient Repayment
Pay your loan through your favorite bank via InstaPay or PESONet. You can also link your online bank account like BPI and UnionBank as well as GCash and other e-Wallets for instant payment confirmation or pay at over 22,000 7-Eleven, Cebuana, and MLhuillier retail outlets.

Responsible and Transparent
Our app lets you select your installments and see the exact amount you will pay every month. We always show a Disclosure Statement in compliance with the Truth in Lending Act (R.A. 3765) for you to see the terms and conditions:

Monthly Interest Rate: 0%-3.49%
Annual Percentage Rate (APR): 0%-41.88%
Service Charges: 0%-10%
Loan Amount: PhP 500-PhP 40,000
Installment Terms: 2-12 months

Representative Example of Installment Plan:
- You availed a 3-month Lazada Installment plan for PhP 12,000
- We will disburse PhP12,000 to your Lazada Wallet with no deductions
- You will need to repay in 3 monthly installments of PhP 4,539. This consists of PhP 4,000 principal loan amount, PhP 419 interest rate, PhP 120 service charge per installment
- In total you will need to repay PhP 13,617 which includes PhP 12,000 principal loan amount, PHP 1,257 interest rate and PhP 360 service charge

Contact Us
Call us: SMART: 09999804333 | GLOBE: 09159039339

BillEase is a product of First Digital Finance Corporation (FDFC). FDFC is regulated by the 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 4.3.11

“Sanaol, mahal” Ehem, turn your frown upside down because BillEase loves you. We work 24/7 just to optimize the BillEase app and to give you a better shopping and loan experience. Kaya wag ka na sad, ha? Labyu!

Ratings and Reviews

4.7 out of 5
5.8K Ratings

5.8K 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.

KaiKaori ,

Best Loan App

I was able to loan via Coins and to Lazada wallet. Loan was disbursed immediately and a copy of the Loan agreement and disclosure will be provided before you confirm the loan. It also has a payment option of twice a month or monthly for 3 to 5 months. 3.49% monthly interest is not that bad. Payment reminder is also being sent 3 days before your due to avoid late payments. ⭐️⭐️⭐️⭐️⭐️ They raised my Loanable amount from 2000 to 5600 in just 3 months 🥰 Pay on/before due and you'll never have an issue with this app. 👍 Payments reflect within 5 minutes. An email and text message will be sent to confirm they have received your payment.

Developer Response ,

It is delightful to hear such positive words and it’s always a pleasure to serve you, KaiKaori. We do strive to give our customers a more affordable option for their installment needs. We appreciate your continued support and patronage. Don’t hesitate to shoot us a note at if you have any questions.

chokz2go ,

This is how credit cards should be!

I have a peace of mind knowing that I have an app to back me in case of emergency or if the compulsive buyer inside me kicks in. Very convinient and easy to use, just a few clicks away and your funds are on the way! But what I love the most is that you cannot make another loan if you haven’t completely repaid any existing loans yet. Unlike in credit cards, your usable credit limit will not get replenished until you completed payment for your loan transactions hence you will not get stuck in debts, only paying for interests due to the never ending cycle of repayment then spend right away.

Developer Response ,

It is delightful to hear such positive words and it’s always a pleasure to serve you, chokz2go. We do strive to give our customers a more affordable option for their installment needs. We appreciate your continued support and patronage. Don’t hesitate to shoot us a note at if you have any questions.

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 Linked to You

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

  • Financial Info
  • Location
  • Contact Info
  • 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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