Credit Line · Now rolling out
Extra credit, interest‑free for up to 62 days
On top of your Billease loan limit, not instead of it. Scan a Merchant QR Ph code to pay for groceries, coffee or medicine, then pay your full Statement Balance by the due date for 0% interest.
We are rolling out Credit Line to more customers, including new ones. If you see a Credit Line tab on the home screen of your Billease app, it is ready for you.
Why use it
More room in your budget, zero interest when you pay in full
Extra credit with its own limit
Using it leaves your Billease loan limit untouched for bigger buys and cash.
Up to 62 days interest-free
Buy today, pay your full Statement Balance by the due date, and you pay no interest at all.
Ready again as soon as you repay
No waiting for a loan to be fully paid off. Every peso you repay goes straight back to your Available Credit.
No fees to open or use
No activation fee and no processing fee. You pay only for what you use.
Where to use it
From your morning coffee to your weekly groceries
Live now
Pay with your Credit Line anywhere you see Merchant QR Ph: supermarkets, coffee shops, shopping malls, restaurants and pharmacies.
Step 1
Tap Scan QR
Open the Billease app and tap Scan QR.
Step 2
Scan the store’s code
Scan the Merchant QR Ph code and enter the amount.
Step 3
Choose Credit Line
Pick Credit Line as your payment source and confirm.
On your first Credit Line payment, you accept the Credit Line Agreement once. A copy is emailed to you and stays in the app.
Interest-free period
The earlier you use it, the longer it is free
Today
You pay with your Credit Line. Your interest-free period starts.
Statement date
Your statement shows your Statement Balance, the amount to pay to stay interest-free.
Due date
About 30 days after your statement. Pay your full Statement Balance and your interest is 0%.
Pay right after your statement date and you get the full 62 days: up to 31 days until your next statement, then about 30 days until your due date.
If you can’t pay in full
A tight month? You stay in control.
Pay at least the Minimum Due and you stay in good standing. Interest then applies from the date of each transaction.
Pay your last Statement Balance in full, and your interest-free days switch right back on.
Terms explained
Good to know
- Statement Balance
- The total on your latest statement. Pay it in full by the due date and you pay no interest.
- Minimum Due
- The least you need to pay by the due date to stay in good standing. Interest then applies from the date of each transaction.
- Due date
- About 30 days after your statement date. You always find it on your statement and in the Credit Line tab.
- Available Credit
- What you can spend right now. It goes up as soon as you repay.
Got the Credit Line tab? Start scanning.
Look for it on the home screen of your Billease app. Questions? The Credit Line FAQ has the answers.