Frequently Asked Questions
1. How does BillEase work?

BillEase is your online and hassle-free shopping partner that allows you to shop and pay at a later time. All you have to do is to submit an application form, wait for our approval, and once approved, you can withdraw your credit limit to your activated Lazada Wallet, which you can use for shopping in Lazada.

2. How do I make payments?
We will send you a reminder in your e-mail few days before your due date. The following will be the modes of payment:
  1. The most convenient way to settle your payment is through payment requests. Two days before your due date our system will send you a coins.ph payment request which you can settle with your coins.ph wallet free of charge. If you do not have a coins.ph wallet you can settle it directly at 7/11, Cebuana, or M Lhuillier branches with a small fee depending on the third-party channel partner. This is our recommended mode of payment since it will automatically reflect in our system. Consequently, you will get a confirmation via SMS within minutes of making your payment.
  2. You can also pay through bank deposit or online transfer, which is free of charge (only if settled within the same bank). The payment made will not automatically reflect in our system, so make sure you email us a copy of the deposit slip or a screenshot of your transfer to [email protected] Our payment verification team will confirm your payment within the next banking day upon receiving your proof of payment. Note that transfers between different banks will incur fees of PhP 200. Below are the list of banks where payment is accepted:
  • BDO:
    Account name: First Digital Finance Corp
    Account number: 011290007371
  • BPI:
    Account name: First Digital Finance Corp
    Account number: 8101 0064 77
  • Security Bank:
    Account name: First Digital Finance Corp
    Account number: 0000-001768-090
3. How can I apply for BillEase installment plan?
Our process is very simple. Simply fill our online application form and we will get back to you within one banking day. Once approved, we will disburse your funds to your activated Lazada Wallet with the amount to be used on the Lazada website.
4. How long is your processing time?

We want you to enjoy your shopping experience. Upon successful submission of your application, we will get back to you within 1 banking day so that you know if you are qualified.

Just make sure you submit your online application before 6:00 PM because any applications beyond that will be considered as next day submission.

All applications submitted after 8:00 AM on a Sunday will be processed together with all the Monday applications on Tuesday. This allows our credit team to fully verify the information you provided and make better credit evaluation for everybody.

5. What are the requirements to avail BillEase installment plan?

If you are at least 18 years old and have a stable source of income, you are welcome to apply! In addition, we will also ask for your latest proof of income, proof of billing and one valid government ID to verify the information.

Examples of accepted proof of income: payslips, screenshots of bank transaction history, Upwork certificate of employment, Paypal transaction history, remittance slips, etc.

Examples of accepted proof of billing: Meralco bill (preferred), credit card bill, water bill, cable TV bill, post paid plan bill, etc.

6. I do not have a proof of billing under my name. Can I still apply?

Yes, it is okay if the proof of billing is not under your name. As long as it is recent and has your home address, it will work.

7. Do I need a credit card to apply?

No, you do not need a credit card to be eligible for our installment plan.

8. How will I know if my application is approved?

We don’t want to keep you waiting; we will send you an e-mail as soon as your application is approved. On the other hand, we will also notify you in case of non-approval through e-mail.

9. Does the Lazada Wallet funds expire?

Good news: The Lazada Wallet funds do not expire! You can use it to buy your Lazada purchases anytime you want.

10. Should I use my Lazada Wallet funds in one transaction or can I save some balance for later?

You can use your Lazada Wallet funds in more than one transaction as long as your balance is enough to cover the amount you want to purchase.

11. Do I need a comaker or references in order to avail of BillEase installment plan?

No, we do not require a comaker or references as part of the installment application.

12. I am a freelancer, can I still apply?

Yes! Freelancers are welcome to apply, as long as you meet the requirements. Please prepare proof of of source of income (such as PayPal transaction history, Upwork Certificate of Employment, bank transaction history, etc.) as part of the application process.

13. What if my Lazada order is returned/cancelled?

If and when your Lazada order gets returned or cancelled, Lazada will automatically begin to process your refund. This refund, once processed will be deposited to your activated Lazada E-Wallet under the "Rebates" section.

But remember: all funds disbursed through BillEase Top-up are considered final and as good as cash. Therefore, the amount and schedule of your repayments will not be affected by any returned or cancelled orders.

14. What if the item I would like to purchase is out of stock?

If and when your Lazada order gets returned or canceled, Lazada will automatically begin to process your refund. This refund, once processed, will be deposited to your activated Lazada Wallet under the Rebates section.

Refunds made with Lazada Wallet is fast and efficient. According to Lazada, you can receive your refund in less than 24hrs after cancellation is finalized or the returned item is received and processed in their warehouse.

But remember: all funds disbursed through BillEase Top-Up are considered final and as good as cash. Therefore, the amount and schedule of your repayments will not be affected by any returned or canceled orders.

15. Can I pay early?

If you prefer paying via payment requests (coins.ph, 7-Eleven, M Lhuillier, and Cebuana Lhuillier): Simply send us an email at [email protected] and let us know the amount you would like to pay for. We will then send you a payment request, which you can use to make an early payment.

Note: payment requests for early payments are only valid within the day.

If you prefer paying via bank transfer: You can make early payments directly to BillEase's bank accounts. Afterwards, send a copy of your deposit slip or a screenshot of your transfer to [email protected] and wait for our confirmation.

16. What if I cannot pay on the due date?

If you are having financial difficulties and cannot make payments on time, please contact us and we will try to work out a payment schedule that works for you. Our only request is that you inform us before or on the due date in order to avail of a discounted charge.

17. Can I re-avail?

Of course! As long as you have paid off your current installment plan, you can re-avail for another one immediately.

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First Digital Finance Corporation doing business under the names and styles of FDFC, Balikbayad, LoanRanger and BillEase (SEC Registration No.: CS201516347; CoA No.: 1101)

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