Is BillEase legit?
Yes. BillEase is on the SEC list of recorded online lending platforms. It is run by First Digital Finance Corp (SEC Reg. No. CS201516347, CA No. 1101). The SEC list dated Sep 29, 2026 records it as "Billease", "FDFC". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Billease", "FDFC" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | First Digital Finance Corp., CS201516347 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1101 (as printed by BillEase) | Google Play, updated Sep 21, 2026 |
| SEC notices naming the app or lookalikes | 1 document, latest SEC advisory on Bridge Cash of May 21, 2026 | SEC, May 21, 2026 |
| Price published | Yes: 0% to 3.49% a month; service charges 0% to 10%; APR 0% to 41.88%. | Google Play, updated Sep 21, 2026 |
| Loan amount and term | ₱500 to ₱50,000, over 60 to 720 days | Google Play, updated Sep 21, 2026 |
| Google Play rating | 4.7 of 5 from 240,252 ratings, 10M+ installs, as of Oct 2, 2026 | Google Play, updated Sep 21, 2026 |
On ₱5,000 for 120 days, BillEase's published terms come to at most ₱1,198 in interest and fees: interest of 3.49% a month and an all-in cost of 9.2% a month, higher because its service charge is added on top, and you repay in instalments but pay interest on the original amount the whole time. BillEase on Google Play, updated Sep 21, 2026
Working: 3.49% a month × 120/30 × ₱5,000 = ₱698 interest; service charge 10% × ₱5,000 = ₱500. The all-in rate is the monthly rate at which 4 payments of ₱1,550 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 3.49% a month against the 6% cap; all-in 9.2% a month against the 12% cap (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: check the worked Disclosure Statement below, then compare BillEase with the other recorded apps, or get it from its official Google Play listing.
BillEase interest rate and what you pay back
0% to 3.49% a month; service charges 0% to 10%; APR 0% to 41.88%.Its own example, ₱12,000 for 90 days
Total repayment = PhP 13,617 (PhP 12,000 Principal + PhP 1,257 Interest + 3 x PhP 120 Service Charge)
- You pay back
- ₱5,000 to ₱6,198
- Cash you receive
- ₱5,000
- Interest and fees
- ₱0 to ₱1,198
- Interest a month, at most
- 3.49%
- All-in cost (EIR) a month, at most
- 9.2%
- Share of the loan
- 24%
Terms from BillEase's Google Play listing, updated Sep 21, 2026. The calculator gives the same ₱13,616 for BillEase's own example. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
BillEase Disclosure Statement, worked out: ₱5,000 for 120 days
BillEase must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest | 3.49% a month × 120/30 × ₱5,000 | BillEase's published maximum | ₱698 |
| Service charge | 10% × ₱5,000, added to repayment | Part of the finance charge, RA 3765 Sec. 3(3) | ₱500 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱1,198 |
| Simple annual rate | BillEase publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 41.88% |
| Late penalty, at most | 5% × ₱6,198 due | SEC MC No. 14 s.2025 Sec. 3 | ₱310 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱1,198, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from BillEase?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱898 less than BillEase's published maximum of ₱1,198.
Choose BillEase if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you want to spread payments over as long as 720 days.
- you need up to ₱50,000.
BillEase requirements, customer service and how to pay
- Requirements
- Not listed on its Google Play listing
- info@billease.ph
- Phone
- Not listed on its Google Play listing
- Pay through
- QRPh, InstaPay or PESONet, Direct bank deposit, coins.ph, 7-Eleven, Cebuana, M Lhuillier
As BillEase lists them on its Google Play listing, updated Sep 21, 2026. Use only these channels or the app itself. Source
If you cannot pay BillEase on time
If all ₱6,198 of a ₱5,000, 120-day BillEase loan fell due unpaid, the penalty could be at most ₱310 a month, and interest, fees and penalties together could never pass ₱5,000. First Digital Finance Corp's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
Complain to BillEase first at info@billease.ph. If that fails, report First Digital Finance Corp to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
BillEase regulatory history
- May 21, 2026The SEC warned about fakes using this name: Bridge Cash, at bridgecash.top, using First Digital Finance Corporation's name. They are not run by First Digital Finance Corp. Source
This page covers BillEase's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact BillEase first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about BillEase
Who owns BillEase?
First Digital Finance Corp (SEC Reg. No. CS201516347), per the SEC list dated Sep 29, 2026.
What is BillEase's interest rate?
BillEase states (BillEase's Google Play listing, updated Sep 21, 2026): "0% to 3.49% a month; service charges 0% to 10%; APR 0% to 41.88%." On ₱5,000 for 120 days: interest of 3.49% a month and an all-in cost of 9.2% a month, higher because its service charge is added on top, and you repay in instalments but pay interest on the original amount the whole time.
What is BillEase's customer service number or e-mail?
E-mail: info@billease.ph. As listed by BillEase (BillEase's Google Play listing, updated Sep 21, 2026).
How do I pay my BillEase loan?
BillEase lists these channels (BillEase's Google Play listing, updated Sep 21, 2026): QRPh, InstaPay or PESONet, Direct bank deposit, coins.ph, 7-Eleven, Cebuana, M Lhuillier. You should get a payment reference or receipt in the app; if none appears, the payment has not posted, so keep your proof of payment.
Does BillEase call your contacts?
First Digital Finance Corp may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Raise it with BillEase at info@billease.ph, then the SEC on 14732.
Cheaper than BillEase for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.