Help Center
Frequently Asked Questions
Everything about your account, limits, loans, and Credit Line. Choose a topic to find the answers you need.
Account
Billease lets you shop now and pay later. Submit an application and wait for our approval. Once approved, an initial credit limit is established, which you can use at our 10,000+ partner merchants.
Download the Billease app from the Apple App Store or Google Play Store and sign up for an account. Once approved, an initial credit limit is established for you.
Approval can be immediate or take up to one day, depending on your submitted documents. A clear scan of your valid ID helps speed things up. Applications submitted after 6:00 PM are treated as next-day submissions.
You're welcome to apply if you're at least 18 years old with a stable source of income. A valid government ID is usually enough. Scan your ID in the app; we'll let you know if any additional documents are needed.
Usually, no. A valid government ID is enough. If we need additional documents to review your application, we'll let you know in the app.
No. You don't need a credit card to be eligible for a Billease installment plan.
Yes. Freelancers are welcome as long as you meet the requirements. A valid government ID is usually enough; we'll let you know if additional documents are needed.
We'll email you as soon as your application is approved. We'll also notify you by email if it isn't.
Yes. As long as you've paid off your current installment plan, you can re-avail immediately. Loyal customers with good payment records can enjoy higher limits, longer terms, and other perks.
If you're having difficulties, contact us and we'll try to work out a schedule that works for you. Let us know on or before your due date to avail of a discounted charge.
For questions about your existing account or repayment arrangement, chat with us in the Billease app or email info@billease.ph. Support is available Monday to Friday, 9am to 6pm.
For questions about your existing account or repayment arrangement, chat with us in the Billease app or email info@billease.ph. Support is available Monday to Friday, 9am to 6pm.
For questions about your existing account or repayment arrangement, chat with us in the Billease app or email info@billease.ph. Support is available Monday to Friday, 9am to 6pm.
We value your feedback and take customer concerns seriously. You have the right to submit a complaint at any time, and doing so will not affect your access to our services.
1. For questions and suggestions, please email info@billease.ph. You may file an official complaint through any of the following channels:
- Email: complaints@billease.ph
- Live chat: available through the Billease app or the website
2. To help us review and resolve your concern as quickly as possible, please provide the following information:
- Registered full name
- Registered contact details (email address and/or mobile number)
- Ticket ID / Case ID (for follow-up concerns)
- Loan ID (if applicable)
- Detailed description of the complaint
- Screenshots or any supporting documents (if available)
3. We will acknowledge receipt of your complaint. Your concern will be reviewed and handled by our designated customer support team. We aim to resolve complaints promptly, and we may contact you if additional information is needed. You will be informed of the outcome once the review is completed.
Our office hours are from Monday to Friday, 9am to 6pm, excluding holidays.
Before initiating the account deletion process, make sure that all your outstanding loans have been settled. Please note that once an account is deleted, it's irreversible, and in most cases, reactivation isn't an option. If you think you might need Billease's services in the future, it's a good idea to keep your account active with minimal activity. Should you decide to proceed with the account deletion, please contact our Customer Support team through this chat to assist you. We might need a few details to verify your identity, so keep them handy.
To learn more about our data retention policy, please check here.
Read more about the hassle-free Billease payment options here:
Your limits
Your loans limit is your cash loan limit. Each use creates a new loan with its own amount, term, and schedule. Your credit limit, also called your Credit Line, is a revolving limit with one balance and one monthly statement, and your available credit comes back as you pay it down. The two limits are separate.
Cash loans including e-wallet top-ups, mobile load and bills, and merchant loans when you buy from a partner merchant through Shops, Deals, or in-store sales agents. Each creates a separate loan with fixed monthly installments.
QR Ph payments at over 600,000 merchants nationwide, bills payment and mobile load (coming soon), and the Billease Access Card. It's interest-free for up to 62 days when you pay your full statement balance by the due date.
No. They're assessed and tracked separately. Drawing on your Credit Line doesn't reduce your loans limit, and a merchant loan doesn't reduce your Credit Line.
Use your loans limit when you need cash in your e-wallet or want fixed monthly installments at a partner merchant. Use your Credit Line when paying through QR Ph or the Access Card and you want a revolving limit that costs nothing if you pay in full each cycle.
Both appear on your home screen. Loans shows your available loans limit. The Credit Line tab, if eligible, shows your available credit and whether it is ready to use.
Merchant loans
A fixed-installment loan repaid in equal monthly installments over a set term. Interest is computed on your declining principal balance, so more of each payment goes to principal over time while your monthly payment stays predictable.
Yes. Loans created when you purchase from a Billease partner merchant run on the annuity structure, with interest accruing on the declining balance.
It's based on your available loans limit and the individual merchant's settings.
Up to 24 equal monthly installments, depending on the merchant and your profile.
Yes. Extra payments are applied directly to principal, which lowers future interest and can shorten your term. There are no penalties for early or full repayment.
Late payment penalties may apply and your credit score could be affected. Contact customer support right away to discuss available options.
Scan QR Ph
QR Ph is the national QR code standard for faster, more convenient person-to-person and retail payments.
It lets you use your available Billease limit to pay at any merchant that accepts QR Ph, in store or online.
No. QR Ph payments have no transaction fee, and all charges are clearly disclosed before you sign anything.
By default they use one-time payment on your next declared payday at 0% interest. You can also convert successful transactions into installments of up to 6 months, before your due date.
Yes, as long as the merchant has a QR Ph code. Look for the QR Ph symbol in the middle of the QR code, or ask the cashier.
Once the merchant processes a refund, the amount reflects in your Billease account within 72 hours and your limit is restored automatically.
A late payment interest of 5% per month, charged daily on the due amount, applies until it is paid.
Deals
Deals is a section in the Billease app and at deals.billease.ph where you shop products and services from partner merchants and pay in installments without leaving Billease.
No. Our verified partner merchants own, sell, and deliver the items. Billease provides the payment and financing.
Choose your installment term at checkout. The amount is charged against your available loans limit, and you pay Billease directly, never the merchant.
Cancellations and refunds follow the merchant's policy. Once a refund is approved and processed, the amount is credited back to your loans limit and the loan is cancelled.
Limited-time offers such as discounted prices, bundles, or promotional installment terms from selected merchants. They run for a fixed period and while supplies last.
Credit Line
Think of it as a spending limit that resets as you pay it down. It's separate from your loans, lives on its own tab in the app, and you can use it over and over.
Same concept, different form. Instead of swiping a bank card, you scan QR Ph codes in the app or tap your Access Card. You draw from the limit, pay it back, and it resets.
It's based on your credit standing and payment history with Billease. Limits currently range from ₱10,000 to ₱50,000 and can change over time. You'll get a notification if it does.
Any QR Ph merchant, over 600,000 nationwide, and through the Billease Access Card. Bills payment and mobile load are coming soon.
No. Credit Line pays merchants directly. It can't be cashed out, transferred to a wallet or bank account, or used to pay your Billease obligations.
Yes. The Credit Line Agreement appears on your first QR Ph payment. Accept it once and you are set. A copy is emailed to you and stays available in the app.
You get a statement on your statement date, based on your declared payday. It shows all draws and payments, your Minimum Due, any charges, and your next due date. View or download it in the app.
Repayment and interest
Your due date is your next statement date, so you always get one full statement period to settle. If your statement closes June 15, the due date is your July statement date.
A percentage of your outstanding principal as of the statement date, plus posted interest and charges. Pay at least this amount to stay in good standing. If your principal is below ₱100, the Minimum Due is zero.
Your account stays in good standing and you avoid delinquency, but you lose the interest waiver for that period, so accrued interest posts to your next statement.
Interest accrues daily from each draw, but if you pay your full statement balance by the due date, all of it is cancelled. You only pay what you spent.
A draw on day one of your statement period sits through that full period, then you get the next full period to pay. Pay the full statement balance by the due date and you owe zero interest for the whole stretch.
Yes. Pay the full balance from your most recent statement and the waiver kicks back in for new draws. You don’t have to zero out your entire balance.
If you haven’t paid at least the Minimum Due by the end of your due date, your limits are locked and delinquency interest accrues daily. Pay at least the Minimum Due to unlock them.
Fees and security
No processing fee and no annual fee. QR Ph payments show as free.
Delinquency interest if you miss your Minimum Due, documentary stamp tax where it applies, and collection fees if field visits become necessary.
Contact Billease right away through the in-app chat or the support email. Keep your app credentials private.
Flag it within 10 calendar days through the app or the support email. After 10 days, the statement is treated as final.
Keep your login credentials and OTPs private. Billease will never ask for your password or OTP by SMS, email, or phone. Report suspected unauthorized use immediately.