How to Pay Installments via BillEase


Frequently Asked Questions


What is BillEase?

BillEase is a buy now, pay later (BNPL) payment platform that provides flexible payment options to customers.


How do I use BillEase as a payment method?

You can use your account as a payment method. Just select BillEase at checkout and choose the payment schedule you like best. There are three payment options available at BillEase checkout: 

  1. One-time payment. You can also try a product or service and pay on your next payday without interest when you select one time payment at checkout. This is only applicable to purchases up to P2,500 or P5,000.
  2. Installment payment. You can spread the cost of your purchase in equal installment from 3-12 months. With a one-time application, you can get a revolving credit account.
  3. Cashout. If your credit is not enough or your limit is insufficient vs the grand cart total, a cash out option will appear and you can push through your transaction by making an upfront cash payment to BillEase. You will receive a payment instruction via email. Once you have paid the remaining balance, your purchase or order will be processed.


How can I apply for an account?

Simply fill out the online application form or download the app and submit the three required documents: 1) valid ID, 2) proof of billing, and 3) proof of income.

Please note that when uploading these documents, follow the instructions and make sure screenshots are machine readable.


What are the accepted Proofs of Income?

We accept screenshots of the following POIs:

  • Payslip 
  • Bank Transaction History
  • Upwork Certificate of Employment 
  • Paypal Transaction History
  • Remittance Slip

Other proof of income documents accepted: 

  • Upwork Earning Transaction History 
  • Acadsoc Profile
  • Acadsoc Earning History
  • 51talk Earning History 
  • Grab/ Angkas/ Lalamove Earning History for 3 weeks 
  • Grab/ Angkas/Lalamove Driver Profile 


What are the accepted Proofs of Billing?

We accept the following POB documents:

  • Electric (e.g. Meralco)
  • Credit Card
  • Water
  • Cable TV
  • Postpaid Plan


What if the Proof of Billing is not under my name, can I still apply?

Yes, we accept a proof of billing even if it's not under your name. As long as it is recent and has your home address, it will work.

What are the examples of Valid ID?

We only accept the following identification card:

  • Passport
  • Driver’s License
  • Professional ID (PRC)
  • Voter’s ID
  • GSIS E-Card
  • SSS ID
  • Senior Citizen ID
  • Immigration ID
  • Unified Multi Purpose ID (UMID)
  • NBI Clearance
  • TIN ID
  • Integrated Bar ID


I’m a freelancer, can I apply?

Freelancers and those who work in the gig economy are welcome to apply. You can submit to us your PayPal transaction history, Upwork Certificate of Employment, bank transaction history, etc.


I am a business owner, can I apply?

Yes, business owners or self-employed individuals are welcome to apply. Just submit the required documents as specified above to get verified.


How can I pay my installments?

You can pay your loan through Coins.ph or by Electronic Fund Transfer (ETF) to our bank accounts (BPI, BDO, Security Bank). We also accept payments at 22,000 non-bank outlets (7eleven, Cebuana, MLhuillier) nationwide.


Can I pay it in advance?

Yes, just generate a Payment Request through the app or through your web account by clicking “Pay Now” or you can directly request by emailing pay@billease.ph.


What if I can’t make payments on time? 

If you are having financial difficulties and cannot make payments on time, just contact us and we will try to work out a payment schedule that works for you. 


Is there any penalty for late repayments?

We collect 50 pesos per day if there is a delay on payments as stated on Promissory Note and Disclosure Statement (PNDS). Always read the terms and conditions before proceeding to your BillEase transaction. 


Do you have a grace period for payments?

Customers can still pay their installment without penalty after two (2) days.


How long is your approval process?

Our approval is instant but real time approval depends on documents submitted or how fast you can re-upload documents if the first submission attempt fails. Generally, you can expect a response from us within 1 business day. 


Is there an age requirement to avail BillEase installment plan?

Anyone who is at least 18 years old and has a stable source of income, is welcome to apply.


How can I increase my credit limit?

Our system will upgrade the limit based on how well users service their existing installments. To get a higher limit, just keep using BillEase and pay installments on time. 


How much is the monthly interest rate?

We charge the lowest interest rate in the market at only 3.49%. Watch out for our 0% APR promo with select merchants.


I was rejected, can I re-apply?

Once you have an active BillEase account you don't need to re-apply unless your application was rejected. For rejected applicants, you can try to apply again after 3 months. 


How do I contact BillEase?

Our Customer Service is open Monday to Friday from 9:00 PM to 6:00 PM

IF you have inquiries, you can email us at info@billease.ph or send us a message these numbers: +639206485515(SMART) +639167451622 (GLOBE)

You can also join our official facebook group: 



Can I trust BillEase?

FDFC is a fully-licensed fintech company regulated by the Securities and Exchange Commission (SEC) and a registered PIP/PIC under the National Privacy Commission (NPC). If you have issues or concerns, please refer to our privacy policy here: 


or contact us at info@billease.ph.