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About lender

BillEase company was established in 2017, and today it occupies a leading niche in the Philippines and Southeast Asia financial services market. The company is FDFC's key product for Southeast Asian retail financing. This licensed lender specializes in Buy Now, Pay Later options and short-term consumer loans. The head office of First Digital Finance Corporation is located in Makati, Philippines.

Pros and cons

Generally, most installment plans have a variety of benefits and disadvantages, and BillEase is no exception. Like any other installment plan, BillEase can be good if the customers use it wisely and can afford to pay back the money they borrow.


  • Cheap interest rates of 3.49% monthly

  • Flexible credit line

  • Full control payment schedule


  • Buy Now, Pay Later services may encourage impulse spending

  • Late payment fees

Loan conditions

BillEase loans allow customers to purchase and pay with ease. BillEase offers two loan products for borrowing money: the BillEase Buy Now, Pay Later service and the Bill Ease Cash Loan with a flexible installment payment option and low interest rates.

Methods of a loan funding

If you decide to get a loan from BillEase, you need to study the process to make sure that you will receive an installment plan with a payment schedule that is suitable for you. After approval, the lender will deposit your credit line at the company service (an app or a website), which you may use for online purchases. You may also turn your credit limit into a cashout limit and withdraw the money through your nominated bank account or account.



What is BillEase?

BillEase is a digital installment plan platform that allows its customers to buy now and pay later, even without a credit card.

Who owns BillEase?

BillEase is a product of First Digital Finance Corporation (FDFC), which does business as FDFC, Balikbayad, and Bill Ease. The Securities and Exchange Commission regulates FDFC as a finance business (CoA No. 1101) and the Bangko Sentral ng Pilipinas as a Payment System Operator (OPSCOR-2021-0007).

How do you qualify for BillEase?

Applicants should be at least 18 years old and have a solid source of income.

How much can you borrow from BillEase?

If you meet credit requirements, you may be assigned an initial credit line of between  ₱2,000 and  ₱10,000. If you use a loan to pay for all purchases and make payments on time, you may increase your limit to ₱40,000.

Is BillEase a legitimate company?

FDFC is a fully-licensed fintech company regulated by the Securities and Exchange Commission (SEC) and a registered PIP/PIC under the National Privacy Commission (NPC). You have no reasons to concerns.

Company documents

Privacy Policy
Terms and Conditions

We’re here to help every Filipino take control of their financial future.

© First Digital Finance Corporation (Billease)

BillEase loans calculator

Calculate loan payments in BillEase. Loans calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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40000 ₱
Loan term

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What to pay attention to when applying for a loan at BillEase?

- The company shall be registered at Securities and Exchange Commission in the Republic of the Philippines;

- You can check the availability of the Certificate of Authority on the official SEC website;

- The rules for granting microloans should be available on the company's website;

- The procedure for applying for a microloan should be published on the site;

- The procedure for concluding an agreement and receiving a payment schedule should be available;

- Other terms and conditions for granting microloans should be available.


- Get acquainted with the interest rates on microloans;

- Check the availability of general terms and conditions of the consumer loan agreement;

- Check the availability of information on the total cost of the loan in the consumer loan agreement;

- Take time to think. After reviewing the individual terms of the agreement, take the allowed time to make the final decision.

What distinguishes BillEase from a bank:

- Fast processing of loan applications;

- High interest on the loan for the borrower;

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All BillEase’s reviews by May 2022