Get your next purchase on easy & affordable installments.
BillEase — Buy Now, Pay Later
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 every successful repayment!
SPLIT ANY PURCHASE UP TO 12 MONTHS
Buy what you want today on Lazada or at any of our merchants, and pay in 12 equal terms. We’ll let you know when your installments are due so you’re on top of every payment.
SOME OF OUR MERCHANTS
Lazada, Anson’s, Kimstore, Mandaue Foam, GameOne, Datablitz, Maria Health, Stork.ph, The Nest Genie, ConcepStore, MUMUSO, Henry’s Camera, TechGear MNL, tripmoba.com, Linen & Homes, SaveNEarn, Watch Republic, Perfume Philippines, Watch Portal, LEUPP, Babymama, Drive Groceries, Book Valley PH, e-kicks, Zilingo Trade, HairMNL, Motivo, TravelOnline, Poporri, Gurkka.com, Monarc, Gogulong, Svasta Travel, Lucent Teeth Whitening, Shadows & Patterns, Alleyway, Simply Modular, Mario & Maria, Energos Trades, Kidscompany, Watch Republic, Urban Gadgets, Trinika, Silikon, Ichiban Tekno, MiStore PH, Laptop Factory, BigBenta, Urban Origins PH, Cartspree, Elevatione, Ram, Lacy Willow, Glow Girl MNL, Gemline, Hey Gorgeous, Perfume Rack, Home.MNL, i-Click Counter, Hubware, Toshiba, Midea, Powerled, Lounge Edit, DC Shoes, Hedgren, Raising Little, Ellebaby, Zenith Hub PH, eScooter Zone, Analog Daily, Flowerstore, Animezing Toy & Collectibles, Tankobonbon, Kleigh Book Galley
0% INTEREST AT THESE SELECT MERCHANTS
Remedy.ph, become®, Monarc, Linen & Homes, Nakto PH, My Tread Pad
ENJOY LOWEST INTEREST RATES FOR ONLINE PURCHASES
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.
GROWS WITH YOU
As you keep using BillEase and maintain a good standing with us, our system will automatically increase your credit limit and unlock exciting additional features.
MOBILE LOAD AND MORE WITH 0 INTEREST
Load your phone and just settle the exact amount on your next due date. No interest or fees added.
INSTANT CREDIT APPROVAL
No one wants to wait. Most customers who apply on our app can get an instant decision and can avail immediately.
BETTER THAN A CREDIT CARD
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.
CONVENIENT REPAYMENT OPTIONS
You can easily pay your installments via InstaPay or PESONet, direct bank deposits, coins.ph, or at over 22,000 7-Eleven, Cebuana, and MLhuillier retail outlets.
NO FUNNY BUSINESS
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.
Information about cost of your installment plan:
- Annual Percentage Rate (APR) of our installment plans is 41.88%
- Installment terms are flexible from 1 to 12 month
- Sample calculation: An installment plan for PhP 15,000 with a cash out of PhP 3,000 will result in 3 monthly installments of PhP 4,538.8
We love feedback!
Email us at: email@example.com
Call us at: SMART: 09999804333/GLOBE: 09159039339
BillEase is a product of First Digital Finance Corporation (FDFC) doing business under the names and styles of FDFC, Balikbayad, Loan Ranger and BillEase. FDFC 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)
app improvement, bug fixes
Ratings and Reviews
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.
The best loan app!
I would like to commend BillEase for smooth transaction. Low interest and easy to deal with if you need a little more time to pay. Their customer service is outstanding! I had a problem with an overpayment and they refund it real quick after they verify the payment. They even called me to tell me what I need to do. I can’t believe they are so reliable. Thanks, BillEase. More power to the team!
Most Reliable Loan App
So far this is the best loaning app I've ever used. Their process is quick and easy. The customer service is excellent. There's no enough words to compliment this lending app. You can always reach them out. Just be a good customer and they will treat you the same way! Kudos Billease!
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
Privacy practices may vary based on, for example, the features you use or your age. Learn More
- First Digital Finance Corporation
- 51.3 MB
- Requires iOS 12.0 or later.
- iPod touch
- Requires iOS 12.0 or later.
- Requires macOS 11.0 or later and a Mac with the Apple M1 chip.
- Age Rating
- © First Digital Finance Corporation
Up to six family members will be able to use this app with Family Sharing enabled.