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The #1 Buy Now, Pay Later App in the Philippines.

Pay in installments for shopping, bills, and more. No credit card needed. Join 10M+ users today.

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Get it on Google PlayDownload on the App Store 4.7 on the App Store
Kim Chiu holding the Billease app
Kim Chiu's
favorite app!
Bangko Sentral ng PilipinasBSP RegulatedOperator of Payment System Registration No. OPSCOR-2021-0007
Securities and Exchange CommissionSEC LicensedFinancing Company CoA No. 1101
National Privacy Commission DPO/DPS registeredDPO RegisteredNational Privacy Commission Data Protection Officer Certified
Trusted by +10M Clients4.7 STAR RATING
Billease app home screenBillie waving
Product overview

Your finances, fully controlled.

Choose the product that fits the moment. Every one of them draws on a limit you can see before you spend.

Online ShoppingInstallments at 10,000+ partners
In-Store QR Ph600,000+ merchants nationwide
Cash LoanStraight to your bank or e-wallet
Bill PaymentsSettle bills without a card
LoadPrepaid load
Deals0% interest offers, updated weekly
Apply Now

Meet Billease Bank

In the app Coming soon

Rooted in our community.
Growing with the Philippines.

Established in September 1969 as the Rural Bank of Santa Maria in Ilocos Sur, our bank has served local families, entrepreneurs, and communities for more than five decades. Today, as Billease Bank, Inc. (A Rural Bank), we uphold that tradition of personal service and community trust.

With Billease’s resources, technology, and consumer-finance expertise, we are preparing to bring that same commitment to communities across the Philippines in the app — while continuing to serve customers at our Santa Maria branch.

About Billease Bank
Billie with a pink piggy bank and Philippine peso coins

Serving communities

Since 1969

From Rural Bank of Sta. Maria (Ilocos Sur), Inc. to Billease Bank, our purpose remains the same: accessible, responsible banking built around the communities we serve.

Billease Bank, Inc. (A Rural Bank) is regulated by the Bangko Sentral ng Pilipinas, with website: www.bsp.gov.ph.

Member of the Philippine Deposit Insurance Corporation. Deposits Insured up to P1,000,000.00

At select partner merchants

Zero downpayment,
zero interest.

Apply Now Your exact terms are shown in the app before you commit.
Billie waving inside a blue zero

Better than a credit card. Easier than a bank.

Interest from 0% to 5% monthlyClear pricing you can check before you commit, and 0% at select partner merchants.
Up to ₱50,000 creditA Billease loan limit, plus a separate Credit Line now rolling out. Your limit can grow as you repay on time. See how.
Fastest approval in the marketA decision in minutes. No credit card required, and no bank branch to visit.
Kim Chiu with the Billease app
Pay in installments with ease, online and in store

Shop the brands you already love.

Samsung
Agoda
Power Mac Center
Anson's
vivo
Mandaue Foam
DataBlitz
Philippine Airlines
Save 'n Earn Wireless
FC Home Center
Home Along
and thousandsmore
Billie holding a heart
Shop NowOver 10,000 partner merchants, online and in store.
QR PhScan QR Ph

Pay at 600,000+ merchants nationwide.

QR Ph is the national QR standard. If a store shows the QR Ph symbol, you can pay with your Billease loan limit, or your Credit Line if you have one, in store or online, with no transaction fee.

  1. Step 1
    Open Scan QR
    Tap Scan QR on your app home screen.
  2. Step 2
    Scan the code
    Look for the QR Ph symbol, or ask the cashier.
  3. Step 3
    Confirm and pay
    Charged to your limit. No card, no cash.
0% on your next paydayOr split up to 6 monthsNo transaction fee
Join Now and Start Shopping
Kim Chiu with a QR Ph merchant terminal

Billease loan limit and Credit Line

One app, two limits.

In addition to your classic Billease loan limit, there is now the Credit Line: a convenient way to pay for everyday expenses, interest-free for up to 62 days when you pay in full. We are rolling it out to more customers.

Kim Chiu in a magenta dress sitting on a phone that shows the Credit Line tab of the Billease app

Big buys and cash

Billease loan limit

Every approved customer
Use it for
Cash and e-wallet loans, gadgets and appliances at partner stores
You repay
In fixed installments, so every purchase fits your budget
Your limit comes back
When a loan is fully repaid
in addition to

Extra credit for everyday payments

Credit Line

Rolling out to more customers
Use it for
Groceries, coffee, meals and medicine, anywhere with Merchant QR Ph. Bills and load coming soon
You repay
One monthly statement. Pay it in full by the due date for 0% interest
Your limit comes back
Right away, with every repayment
Learn about Credit Line
Billease sign up: scan your ID
Your valid ID
Get started

Get your Billease loan limit in three steps.

Sign up in the app with just your phone and a valid ID. No credit card, no branch visit, no guarantor.

  1. Download & sign up
    Email and mobile number. About two minutes.
  2. Scan your ID
    A valid ID is usually enough.
  3. Start spending
    Your Billease loan limit is live the moment you are approved.
Create my account now
Free to apply · 10M+ Filipinos already approved

How it works

Five steps, and the last one is the point: your credit comes back.

  1. Step 1
    Apply in minutes
    Basic details and a valid ID. No credit card needed.
  2. Step 2
    Get your limit
    Up to ₱50,000 Billease loan limit. A separate Credit Line is rolling out to more customers.
  3. Step 3
    Spend it
    At partner checkout, by QR Ph, or with your Access Card.
  4. Step 4
    Repay your way
    Fixed monthly installments, or your Credit Line in full for 0% interest.
  5. Step 5
    It restores
    Your Billease loan limit comes back when a loan is fully repaid, your Credit Line with every repayment.

Small beginnings. More possibilities.

Grow your limit over time.

Your starting limit is just the beginning. Repaying your loans on time can help you build a higher limit over time.

It takes patience. Keep building a good repayment record, one loan at a time.

One loan at a time.

  1. Start small

    Work with the limit you have.

  2. Repay on time

    Build a good repayment record.

  3. Grow over time

    Give your progress time to add up.

Store

Special deals at Billease.

Phones, laptops, appliances and more from verified partner merchants, in installments, without leaving Billease.

Billie holding the Billease Deals store

Download the Billease app and get the best deals today.

0%Processing Fee0%Down PaymentFree Shipping
Explore Deals

See what you'll pay before you apply.

₱50,000
₱2,000₱50,000
Installments
Installment Amount
₱18,995
monthly for 3 months

Illustration only. Your final terms are confirmed in the app before you commit.

Trusted by over 10 million Filipinos.

Real reviews from people who use Billease to make the everyday work.

★★★★★

"I got my first phone on Billease because of Billease's help. The interest is the lowest and it's very reliable and easy to use."

Christian, 22
Google Play review
★★★★★

"Billease has the lowest interest rate of all lending companies. Purchase in a breeze for gadget lovers. Recommended!"

Lorenzo, 36
App Store review
★★★★★

"Whenever I need funds for emergencies, shopping, or travel, Billease always makes it through. The best online loan experience."

Bea Marie, 27
Google Play review
Join NOW and become a Billease user
Trust and safety

A promise we put in writing.

How will a lender behave if a payment is late? Here is our answer, and the numbers behind it.

Billie saluting
10M
Customers
Filipinos who have used Billease since 2017.
1.6M
Loans a month
Disbursed across the platform, and growing.
4.7
From 237,000 reviews
On Google Play and the App Store. Reviews we cannot edit.
What we do
  • Remind you before the due date, not after
  • Talk to you if you cannot pay this month
  • Keep your balance between you and us
  • Name a way out in every message
What we will never do
  • Contact your family, your employer or your phonebook
  • Post about you, anywhere
  • Shame, insult or threaten you
  • Ask for your OTP, PIN or password

As Seen On

BusinessMirror

Billease operator grows revenue over 80%

First Digital Finance Corp. reported audited consolidated results for 2025 showing revenue up more than 80 percent and continued profitability, a rare position in a market where most digital lenders remain in the red.

Read the full article on Business Mirror
The Manila Times

Billease grows FY2025 revenue over 80% as net profit rises

Revenue grew more than 80 percent to US$151.2 million and net profit reached US$13.6 million, with the gross loan book up more than 77 percent.

Read the full article on The Manila Times
Philippine STAR

Billease nets ₱840 million, to infuse ₱1 billion into banking arm

Billease booked a net profit of ₱840 million in 2025, marking its third straight year of profitability as it moves to expand beyond digital lending.

Read the full article on Philippine Star
INQUIRER

Billease levels up lending with rural bank debut

Billease is aiming to expand its loan book by 50 percent in 2026, betting that its recent acquisition of a rural bank will let it extend more credit to Filipino borrowers.

Read the full article on Inquirer

Afford mo na.
Kasi may Billease ka.

Join millions of Filipinos and start your journey towards financial freedom today.

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