Billease is a flexible and user-friendly financial platform that empowers shoppers in the Philippines to make purchases and pay over time through convenient installment plans. Designed for the digital age, Billease eliminates the need for credit cards or collateral, offering a seamless and secure way to shop online, pay bills, and manage personal finances—all from a single mobile app. With access to thousands of partner merchants and a transparent pricing model, Billease makes it easier than ever to enjoy what you need today while paying responsibly over time.
Buy Now, Pay Later Made Simple
- Split your purchases into manageable monthly payments.
- Shop at over 10,000 partner merchants including Lazada, Kimstore, Agoda, and Philippine Airlines.
- Choose “Pay with Billease” at checkout to activate your installment plan.
- Enjoy 0% interest at select merchants such as Anker, Cole Haan, and KitchenAid.
- No down payment or collateral required—just fast, secure approval.
Fast and Flexible Credit Access
- Get approved quickly and start shopping immediately.
- Apply directly through the app with minimal requirements.
- Receive instant credit decisions for most applications.
- Borrow amounts ranging from ₱500 to ₱50,000.
- Choose repayment terms from 2 to 12 months.
Transparent and Affordable Financing
- Know exactly what you’ll pay—no surprises.
- Monthly interest rates range from 0% to 3.49%.
- APR ranges from 0% to 41.88%, depending on the plan.
- Service charges range from 0% to 10%, clearly disclosed upfront.
- A Truth in Lending Act-compliant Disclosure Statement is provided before every transaction.
Convenient Repayment Options
- Pay your installments your way.
- Settle payments via InstaPay, PESONet, bank transfer, or e-wallets like GCash, Maya, andcoins.ph..
- Pay at over 22,000 retail outlets including 7-Eleven, Cebuana, and MLhuillier.
- Receive reminders and due date notifications to stay on track.
More Than Just Shopping
- Manage bills and top-ups with ease.
- Pay utility bills for Globe, Smart, Meralco, Maynilad, and more.
- Contribute to government services like SSS and Pag-IBIG.
- Top up mobile load and e-wallets without added fees.
- Access exclusive features and benefits with every successful repayment.
Built for Security and Simplicity
- Enjoy peace of mind with every transaction.
- Integrated directly into merchant checkout systems for secure payments.
- No credit card numbers or sensitive data stored.
- Track all transactions and balances within the app.
- Regulated by the SEC and Bangko Sentral ng Pilipinas.
Frequently Asked Questions
Q: How do I use Billease to shop online?
Select “Pay with Billease” at checkout from any partner merchant and choose your installment plan.
Q: Is a credit card required to use Billease?
No, Billease does not require a credit card or collateral.
Q: What is the interest rate for Billease installment plans?
Monthly interest rates range from 0% to 3.49%, depending on the merchant and plan.
Q: How do I repay my installments?
You can pay via bank transfer, e-wallets, or at thousands of retail outlets nationwide.
Q: Are there hidden fees?
No, all charges are disclosed upfront and included in your monthly payment summary.
Version History
v4.7.1 —— 8 Mar 2023
Performance improvements—fresh updates to enhance the BillEase experience.
Bug fixes—refinements for smoother app functionality.
v4.5.3 —— 13 Jan 2023
Holiday enhancements—improved credit card-free shopping just in time for the new year.
User experience upgrades—refinements based on seasonal feedback.
v4.4.11 —— 14 Dec 2022
Community-driven updates—improvements inspired by user feedback during the BER-months.
Ongoing refinements—continued efforts to optimize app performance.
