BillEase - Buy Now, Pay Later 4+

Most considerate and reliable

Billease is not a loan shark. I started using this on 2023 after analysing that their loan framework is better than a bank (with tons of documentation and collateral), here u only need an ID and presto! I was hesitant at first bec i really preferred a bank loan (asnmy first car was from a bank loan) It actually helped me grow my small rice business. I computed the interest of this loan app vs my possible income and when i assessed that the income from the business is higher than its interest, i applied for loan. You do not take a
Loan for personal use like grocery or shopping or travel. U apply for loan to grow ur money The secret is to pay on time or advance because it is our responsibility to pay for our debt. Applying and getting ur loan is so smooth and fast. If u proved that u are a responsible payer, they increased your credit limit overtime. And their interest is quite much lower than other loan facilty.

This loan apps is a great help to Filipino small entrep! Salute!!

DO NOT USE BILLEASE

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.

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.