BillEase Review
BillEase Review
  • Easy to apply
  • Approval time
  • No hidden condition
  • Renewal rules
  • Service quality
  • Customer support
Contact information
Phone number: +63 2 310 0313
From 9 am to 6 pm
(Monday – Friday)
2000 ₱
40000 ₱
30 Days
360 Days
Interest rate per day
Daily payment

In this BillEase in Philippines review, we will take a look at how it works. This buy now, pay later (BNPL) app splits payments into interest-free and interest-bearing installments, allowing you to pay for your online purchases in affordable instalments over a period of time. This consumer finance company was founded in 2017 and is based in Manila, Philippines. It has since raised $11 million in Series B funding and secured a $20 million debt facility from Lendable.

Loan parameters
  • Loan amount
    2.000 - 40.000 PHP
  • Term
    30 - 360 days
  • Interest rate
    0,08% per day
  • Age
    18+ years

BillEase Loan Requirements

  • you’re at least 18 years old
  • Valid government-issued ID
  • have a stable source of income
  • Latest proof of income. This can be your payslip, certificate of employment, bank transaction receipts, PayPal transaction history, or remittance slips.
  • proof of billing. This includes your Meralco bill, cable TV bill, water bill, or any other postpaid utility bills. If the proof of billing is not under your name, that’s fine! Just make sure you submit proof of billing that shows your current mailing address.
BillEase loan

How BillEase Operates

BillEase Loan presents an opportunity for Filipinos to shop and make payments conveniently. The BillEase platform offers two distinct loan options: the Buy Now, Pay Later alternative and the BillEase Cash Loan. Once approved, borrowers can take advantage of the following privileges:

  • Competitive interest rate. BillEase maintains a modest interest rate of 3.49% per month, alleviating concerns about significant additional costs to the initial loan amount. Furthermore, BillEase has introduced a 0% interest option[5] for purchases made through its partnered merchants.
  • Adjustable loan amount. Through the BillEase Loan app, individuals can secure loans of up to ₱40,000, contingent upon their credit limit.
  • Exclusive in-app capabilities. Following BillEase Loan approval, borrowers gain access to specialized in-app features enabling them to augment their e-wallets, settle bills, and purchase mobile load credits.
  • Convenience and Simplicity: BillEase provides a convenient way for Filipinos to shop and pay, minimizing the need to visit physical stores or banks.
  • Quick Registration
  • Flexible lending options: Two lending options - Buy Now, Pay Later and BillEase Cash Loan - let you choose the right option based on your needs.
  • Enhanced in-app features: Approved borrowers can take advantage of additional in-app features such as e-wallet top-ups, bill payments, and mobile payment purchases.
  • Affiliate Merchants Restriction: The 0% rate option only applies to certain partner merchants, limiting your shopping choices.
  • Amount Limits: The maximum loan amount is limited to ₱40,000, which may not be sufficient for large purchases or financial needs

How to get a BillEase Loan

Follow these straightforward instructions to make the most of your BillEase loan:

  • Download the BillEase mobile application or visit to log in.
  • Sign up and create an account.
  • Obtain your designated credit limit.
  • Request your credit limit and commence shopping on Lazada.

Step-by-Step Manual for Billease Loan Application

For those seeking insights on “how to borrow money in Billease” or “how to secure a Billease Loan,” here is a comprehensive guide to Billease Loan Application:

  • Choose your preferred loan amount.
  • Electronically submit the required documentation.
  • Provide a valid government-issued ID.
  • Present proof of income.
  • Furnish proof of billing.
  • Check your email or access your account to view your initial credit limit. Instant approval is granted to 70% of applicants, while others receive a response within one banking day.
  • Employ your credit limit on Lazada or any partnering BillEase merchant.

How to pay Billease Loan Philippines

  • Send funds from
  • Utilize GCash services.
  • Establish a connection with your digital banking platform.
  • Complete transactions via Cebuana and M Lhuillier.


1.What is BillEase Loan?

BillEase Loan is a financial service provided by BillEase that allows you to borrow money to buy and pay for goods and services in installments.

2. What are the interest rates for BillEase Loan?

BillEase Loan interest rate can range from 0% to 3.49%, depending on the terms of the loan and BillEase partners.

3. How long does it take to get a BillEase Loan application approved?

In most cases, approval of a BillEase Loan application is instantaneous. If you do not receive instant approval, you will receive a response within one banking business day.

4. Where can I use my BillEase Credit Limit?

You can use your BillEase credit limit to purchase from BillEase partners such as Lazada and other participating merchants.

5. How much loan is available through BillEase Loan?

The maximum loan amount depends on your credit limit and can be up to ₱40,000.

6. Can I increase my credit limit in the future?

Yes, with timely payments and an improvement in your credit history, you can request an increase in your credit limit in the future.
BillEase Review
Borrower requirements
  • Coming of age 18+
  • Issued Filipino ID card
  • Have a stable source of income
  • Valid mobile phone number
How to pay a loan
  • In personal account
  • On site online
  • In the office
  • By bank transfer

Best Loans

Your comment

Carmela Panganiban
07 February 2024
Used PayLaterPH for Christmas shopping and it was incredibly convenient. The interest-free period is a big plus, allowing me to spread out my payments without extra cost. A fantastic option for managing larger purchases.
Adrian Rivera
23 December 2023
The quick approval of my loan application was a pleasant surprise. Billease knows exactly how to help in difficult situations. Thank you for your promptness!
Maria Cruz
15 December 2023
Applying for a loan through this service went smoothly and quickly. I am grateful for the convenience and efficiency in resolving my financial issues.
Garry Schumm
22 July 2023
I used to have problems with my credit history, so it was not possible to get a loan everywhere. Billease was issued, but for a smaller amount than he wanted
12 June 2023
BillEase loans are a reliable option for those in need of extra cash. Thank you, BillEase!
Savion Herman
13 May 2023
I recently availed a BillEase loan to purchase a new gadget. The application process was smooth, and the loan amount was disbursed promptly. The convenience of paying in installments made it affordable for me. Great service!
Litzy Frami
10 April 2023
I've used Billease multiple times and I've never been disappointed. Fast approval and disbursement!
01 February 2023
The company is good. I can't say bad.
Marietta Fay
Marietta Fay
The site is very convenient, I used it this year for the first time and was very pleased. I chose the right one for myself and got the loan very quickly. I advise everyone.
Reinhold Becker
Reinhold Becker
Urgently needed money for a gift for a girl. Got to this site. Lots of options to choose from is a big plus. Easy to apply and get paid quickly. I will recommend it to my friends.
Patrick Martin
Patrick Martin
Took a loan for the rest of my wife and children. I was approached by the proposed conditions, despite the fact that I do not have a constant income
Karla Rodriguez
Karla Rodriguez
Wide range of loans. Simple application process. I really get everything very quickly, the main thing is to have an ID and a phone with me
Clayton Ward
Clayton Ward
Went on the recommendation of a friend. Helped in difficult times. The money was in my account within 15 minutes. I paid off the debt and interest without any problems.
Yuki Jackson
Yuki Jackson
Large selection of loan offers. Simple application process, fast crediting to the account. It suits me and I advise you
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