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. Once approved, an initial
credit limit will be established, which can be used to purchase from
our 4,000+ merchant partners.
Read more about the hassle-free BillEase payment options here:
Easy - simply download our app from Apple App Store or Google Play
Store and sign up for a BillEase account. Once approved, an initial
credit limit will be established, which can be used to purchase from
our 3,000+ merchant partners.
Fast - We want you to enjoy your shopping experience as soon as
possible. Approval can be immediate or up to one day depending on
your submitted documents. The key is submitting complete and clear
documents and valid IDs.
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.
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.
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.
No, you do not need a credit card to be eligible for our installment
plan.
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.
Good news: The Lazada Wallet funds do not expire! You can use it to
buy your Lazada purchases anytime you want.
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
link
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.
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.
No, we do not require a comaker or references as part of the
installment application.
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.
For Lazada: If and when your Lazada order is returned or canceled,
Lazada will automatically begin to process your refund. Once
processed, your refund will be deposited to your activated Lazada
E-Wallet under the "Rebates" section.
But remember, all funds disbursed to your Lazada E-Wallet through
BillEase Top-up are considered final and good as cash. The amount
and schedule of your repayments will not change due to returned or
canceled orders.
For other partner merchants: BillEase will refund any and all
payments made due to merchant initiated returns and canceled orders,
as soon as the merchant informs us. Please allow our team 1-2
banking days to process your refund.
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.
If you prefer paying via payment requests (coins.ph, PalawanPay, 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.
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.
There are many perks that customers can experience! You can:
Have a higher chance for a credit limit increase
Have a higher chance of availing cash loans
Build your credit score (we submit relevant data to credit
bureaus)
Continue using BillEase for all your wants and needs!
Of course! As long as you have paid off your current installment plan,
you can re-avail for another one immediately. What's more, loyal
customers with good payment records can enjoy added features, such as
higher credit limit, longer installment terms, cash loans, and other
cool perks.
Auto-Debit
BillEase Auto-debit is a payment option offered by BillEase in
partnership with Alipay+ merchants. By authorizing a one-time
account linking of your BillEase account with the merchant, the
merchant can debit an amount from your available credit limit
without requiring further confirmation such as One-time Password
(OTP) or biometrics security.
This payment option can be used for various payment scenarios
including one-time and recurring payments.
The Auto-debit option is available through select Alipay+ merchants
only.
On the merchant site, select the Auto-debit => BillEase option in
the payment method settings, then you will be redirected to BillEase
to authorize the account linking.
For an existing customer, just e-sign the Auto-debit agreement and
set your repayment preferences for upcoming purchases that you
will pay using the Auto-debit facility.
For a new customer, complete the online registration process which
will only take less than 5 minutes. Once registration is approved,
you can continue the account linking.
Go to your BillEase account settings and click Auto-debit to view all
your authorized Auto-debit arrangements with merchants. You can choose
to unlink your account with the merchant or update your preferred
payment settings for upcoming transactions.
The Auto-debit facility strictly requires authorization from you
before we can link your account with the merchant.
If you see a loan on your BillEase account that you don't recognize,
go to your BillEase account settings > Auto-debit and update the
merchant setting.
If you no longer intend to authorize a merchant for future
transactions, click on Unlink in the details page.
If you don't want to accept a charged transaction, contact the
merchant and request for a refund.
To file a dispute for an Auto-debit transaction, please contact the
merchant's customer service and provide identifiers such as order ID
and/or transaction ID.
Please note that only the Merchant can reverse an Auto-debit
transaction and turn around time may vary per Merchant. Any decision
regarding the dispute depends on the terms and conditions (T&C) you
agreed with the merchant prior to the account linking.
You may also contact BillEase by sending an email to
[email protected] with all the relevant details then we will file a
dispute on your behalf. Please note that your request for any
reversal depends on Merchant's policy.
Pay with Grace
Pay with Grace is a flexible payment plan that offers a 3 or 6-month
grace period with 0% interest. This allows customers to pay off their
purchases within the grace period without incurring any interest
charges. Currently, it's offered by default to select online and
offline BillEase merchants.
The installment amounts remain the same to ensure that your payments
are evenly distributed across the total payment period. During the 0%
interest grace period, you are not being charged any interest. The
consistent installment amounts provide a clear and manageable payment
structure, making it easier for you to plan your finances. No interest
is applied to the payments made within the grace period.
After the initial grace period (e.g., 3 months), the interest rate is
3.49% for the remaining payment period.
The minimum and maximum purchase amount to avail Pay with Grace
depends on the merchant.
If the transaction amount does not reach the minimum required amount
to avail Pay with Grace, the standard financing plan will be shown at
checkout.
You can avail Pay with Grace based on the minimum amount set by the
merchant. For instance, if the minimum amount for 6 months is PHP
20,000, your purchase must be at least PHP 20,000 for the 6-month
option. If your purchase is below this but meets the minimum for 3
months, you will get the 3-month option. If it doesn't meet the
minimum for either, you'll get the standard financing plan.
The total payment period can range from 9 to 12 months, including the
initial 3 or 6-month grace period.
If you pay off the entire amount within the 3 or 6-month grace period,
you will not be charged any interest.
Yes, you can make scheduled installment payments or pay off the entire
balance before the grace period ends, all while enjoying 0% interest.
If you need more flexibility, you can follow the regular payment
schedule and complete your installments over the 9 to 12-month period.
Once the grace period ends, you must follow the scheduled installment
payments until the end of the 9 to 12-month period. You can also
choose to pay all your installments with an interest rate.
No, there is no penalty for early payment. You can complete your
entire installment within the grace period without any additional
fees.
Once you have selected the Pay with Grace plan, you cannot change the
payment terms. However, you can choose to pay off the entire balance
early within the grace period without incurring any interest.
If you miss a payment, the grace period will end and you will need to
pay according to the original schedule including penalty fee incurred
for late payment.
You will receive a detailed payment schedule via email and you can
always check your payment schedule and balance through our mobile app
(Installments > Active).
Yes, the grace period duration (3 or 6 months) is determined by the
specific offer from the merchant. Be sure to check the offer details
when making your purchase.
You will see the Pay with Grace option at checkout if your purchase
meets the minimum and maximum amount criteria (PHP 2,000 to PHP
100,000). The option will also be highlighted if the merchant offers
this payment plan.
For any questions or concerns about your installment plan, you can
contact our customer support team via chatbot. They will be happy to
assist you with any inquiries regarding your payment schedule or
remaining balance.
Limit Boost™
Limit Boost™ is a feature that allows BillEase users to increase their
purchase limits for transactions at over 10,000+ merchant partners.
Perfect for when you're eyeing a bigger purchase than your current
limit allows.
To activate Limit Boost™, simply tap the Limit Boost™ icon in the
BillEase app and submit a request. If you are eligible, your credit
limit will be boosted immediately for your next purchase at your
chosen merchant partner. At the checkout or cashier of a participating
merchant partner, you'll automatically enjoy Limit Boost by selecting
BillEase as your payment method, with no need to do anything else.
No, there's no additional fee for requesting a Limit Boost™. It's just
one of the perks of being a BillEase valued customer.
The boosted limit is available for 3 days. If you don't use it or if
you change your mind, you can cancel it and request a new one anytime.
Limit Boost™ can only be used for purchases with our merchant
partners, which include over 10,000+ online and in-store merchant
partners. However, it's not available for other loans or non-merchant
transactions.
If you don't use the Limit Boost™ within 3 days, it will expire. But
don't worry, you can easily request a new one when you're ready for
your next big purchase.
To shop at online partners, simply click 'Continue Shopping' and add
items to your cart from your chosen merchant's website or app. Select
BillEase as the payment option at checkout. To shop at in-store
partners, just ask for the BillEase QR code at the payment counter.
Open the BillEase app, click the Scan icon at the upper right corner
and input the order amount.
EasyPace
GENERAL
An annuity is a fixed-installment consumer loan where you repay the
borrowed amount through equal monthly installments (EMIs) over a set
term. Each payment consists of both principal and interest, with the
interest portion decreasing over time as you pay down the principal
balance. This structure ensures that your monthly payments remain
predictable while gradually reducing the overall interest cost.
An annuity loan follows a method of interest accrual on declining
balance, meaning your monthly payment stays constant, but the interest
portion decreases as more of each payment goes toward the principal.
Unlike other loans where interest might be front-loaded or fixed,
annuity loans offer a predictable repayment schedule while allowing
you to reduce the balance by prepaying over scheduled minimum payment,
which reduces next payment interest accruals and eventually lower
total overpayment amount.
Annuity loans are available for purchases from select merchant
partners. Eligible transactions may include electronics, appliances,
and other consumer durables, depending on the partnership agreements
with merchants. You'll see annuity as an option after scanning
BillEase QR.
To be eligible for an annuity loan, you must be an active BillEase
user with a good repayment history and meet the necessary credit
assessment criteria. Eligibility may also depend on the specific
merchant partner and purchase type.
Timely repayment of your annuity loan can positively impact your
credit score, making it easier for you to qualify for larger BillEase
loans in the future. However, missed or late payments may negatively
affect your credit profile and penalty may apply.
LOAN TERMS
You can avail of an annuity loan based on your personal credit limit
and individual Merchant settings. Some merchants might not support
annuity products.
The standard loan term is up to 24 months, consisting of 24 equal
monthly installments. Each installment follows a predetermined
repayment schedule, ensuring a consistent and manageable payment plan.
Interest is calculated as a monthly rate according to the contract
multiplied by the rest of balance for the following month.
A declining balance interest calculation means that interest is
charged only on the remaining principal balance. As you make payments,
your principal reduces, causing interest charges to decrease over
time. This method helps lower the total interest paid over the life of
the loan.
A flat rate is an alternative way to express loan costs, where total
expected interest and fee amount is divided by the number of
contracted months. It is an alternative and simple way to understand
the monthly cost of loan for a given term, also used to compare rates
of different products and providers.
The loan includes a processing fee that covers underwriting and loan
processing costs, as well as legally authorized charges outlined in
your Promissory Note and Disclosure Statement (PNDS). Additionally,
the processing fee is incorporated into the loan amount to ensure
transparency in cost structure.
No, there are no other charges. All fees and charges are clearly
outlined and disclosed in the Loan Agreement (PNDS) before loan
approval.
REPAYMENT & PREPAYMENT
Yes, you can make payments above your scheduled EMI. Extra payments
are applied directly to the principal, which helps reduce total
interest costs and may shorten the loan term. Making additional
payments allows you to pay off your loan faster while saving on
interest expenses.
No, there are no penalties for early repayment. You can repay your
loan in full or make excess payments at any time, reducing your total
interest cost and potentially shortening your loan term.
When you make overpayments, the outstanding principal balance is
reduced, which in turn decreases future interest charges. Overpayments
may also shorten your loan term, and best of all, they do not incur
any additional fees.
LOAN MANAGEMENT
After successful repayment and after the due date, BillEase will send
you an updated Amortization Schedule, as explained in the Promissory Note and Disclosure Statement. You
will receive this schedule via email, and it will also be accessible
in the app, allowing you to track your loan progress conveniently.
If you miss a payment, late payment penalties may apply, and your
credit score could be affected. It is important to contact customer
service immediately to discuss available options and avoid additional
charges or negative impacts on your credit profile.
In some cases, BillEase may offer payment extension options depending
on your payment history and financial situation. Contact customer
support to inquire about available arrangements.
If you experience financial difficulties, reach out to BillEase
customer support as soon as possible to discuss repayment alternatives
or restructuring options to help manage your obligations effectively.
ADDITIONAL INFO
Eligibility for another loan while repaying an existing one depends on
your repayment history, overall creditworthiness, remaining limit, and
individual financial assessment. BillEase evaluates each application
based on these factors before approving additional credit.
Once your loan is fully repaid, you will receive a confirmation, and
your account will reflect a zero balance. Successfully completing a
loan strengthens your credit history, making you eligible for better
loan offers in the future.
Any payment made before the due date will be held and applied to the
next scheduled installment first, with any excess allocated to the
principal. Once a payment is made, the schedule is adjusted
accordingly. If a past-due payment includes an overpayment, the system
will allocate the funds appropriately, including applying any extra
amount to the principal.
IMPORTANT REMINDERS
Carefully review the Promissory Note and
Disclosure Statement
before signing to ensure you fully understand the loan terms.
Familiarize yourself with all terms, conditions, and fees associated
with the loan.
For any questions or concerns, reach out to
customer support via the BillEase chatbot for quick assistance.
Communicate only with authorized BillEase agents through the
official BillEase app. BillEase will never ask for your
password or OTP—do not share these details with anyone.
First Digital Finance Corporation doing business under the names and
styles of FDFC, Balikbayad, and BillEase is regulated by Securities
and Exchange Commission as a financing company (CoA No.: 1101) and by
the Bangko Sentral ng Pilipinas as Operator of Payment System
(OPSCOR-2021-0007).
Copyright 2025
First Digital Finance Corporation doing business under the names
and styles of FDFC, Balikbayad, and BillEase is regulated by
Securities and Exchange Commission as a financing company (CoA
No.: 1101) and by the Bangko Sentral ng Pilipinas as Operator of
Payment System (OPSCOR-2021-0007).