I honestly almost cried when I got approved. It may have only been a ₱6,000 credit limit, but to me it meant so much more than that. It was the first time a financial institution believed in me after being rejected over and over again.Before BillEase, I applied to BDO, BPI, Atome, and several other lending apps. Despite having a stable income of around ₱75,000–₱80,000 per month as a virtual assistant, I kept getting declined. It’s incredibly frustrating because many of us in the VA industry earn good, consistent incomes, yet we often struggle to access financial products simply because our employers are overseas or our employment doesn’t fit traditional requirements.Being a virtual assistant shouldn’t automatically make someone seem less creditworthy. We work hard, pay our bills, and contribute to the economy just like anyone else.When BillEase approved me, it gave me hope. It wasn’t just about borrowing money—it felt like someone finally gave me a chance to prove that I can be a responsible borrower. That kind of trust means more than you probably realize.I’m committed to paying every installment on time because I genuinely appreciate the opportunity you’ve given me.I also can’t wait to see what the future holds for BillEase. I hope one day you become a full-service bank with savings accounts and an e-wallet. If that happens, I would happily become a customer because you’ve already earned something that’s hard to find in finance: my trust.Thank you for believing in people like me when others didn’t.

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!

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.

Billease was recommended to me by a friend when I was short on money. I was hesitant at first because I didn’t trust these lending apps. The repayment plan was aligned to my pay frequency; we are on biweekly. I also tried like 2 more lending apps to see for myself how these companies process their transactions. I must say Billease has a strategic plan for repayment as it based on your pay frequency. It helped me settle my dues on time. I also appreciate that they are rewarding their customers a credit limit increase as long as you’re paying on time. I was initially approved for 3K and now I have 19K limit and I’ve only been using this app in less than a year. As long as you entered your details correctly, such as your disbursement account numbers and paying your dues on time, you won’t have any issues. Or at lease for me.