Billease - Buy Now, Pay Later 앱 분석 (9월 22일)

Billease makes your online shopping affordable and convenient by spreading your payments into simple installment plans. Just find what you want at any of our online merchant stores, choose Pay with Billease, and enjoy flexible monthly payments. Earn rewards. 💙Billease is the best shopping finance experience in the Philippines MUCH BETTER THAN CASH LOAN OR CONSUMER LOAN Paying with Billease is more convenient than SSS loans, consumer loans, or cash credit. Buy what you want today directly at any of our merchants and select to pay with Billease. That splits your purchase into convenient installments. We’ll notify you when payments are due. No collateral or down payment required. Borrow for shopping online. Credit approval is fast, with most getting instant decisions. You don’t have to deal with cash, just shop and enjoy. BETTER THAN CASH CREDIT OR CREDIT CARD Billease is built for the digital age. Transactions are secure through integration in our partner checkout process. No credit card numbers to worry about. Always track your transactions in the app. MORE THAN 10,000 MERCHANTS Kimstore, Mandaue Foam, Anson’s, Philippine Airlines, Agoda, Datablitz, and many more. Enjoy 0% interest at Anker, Cole Haan, Jockey, KitchenAid, Tempur. Load your phone and settle next due date with no fees. GCash, Maya, coins.ph and GrabPay top-ups are also available. EXCLUSIVE DEALS & FLEXIBLE INSTALLMENTS Shop gadgets, electronics, lifestyle items with special discounts in Deals. Get free shipping and limited offers. For bigger purchases or extra breathing room, convert any QRPh or Tap-to-Pay transaction into installments before your due date. Buy in the app, pay later. PAY ANYWHERE WITH QRPh & NFC Use your Billease credit line at over 600,000 merchants nationwide through QRPh-enabled stores. Just scan the QR to pay, enjoy now, and convert your purchase into flexible installments before your due date. EASY BILL PAYMENT Pay 100s of billers including Globe, Smart, Meralco, Maynilad, Manila Water, Easytrip RFID, and even government contributions like SSS and Pag-Ibig. ENJOY LOWEST INTEREST RATES FOR ONLINE PURCHASES Enjoy the benefits without paying upfront. We charge the lowest interest rate at only 3.49% monthly. Watch out for 0% APR promos with selected merchants and mobile load. CONVENIENT REPAYMENT OPTIONS Pay your installments via QRPh, InstaPay or PESONet, direct bank deposits, coins.ph, or at over 22,000 7-Eleven, Cebuana, and MLhuillier outlets. NO FUNNY BUSINESS What you see is what you pay, no hidden fees. The app lets you configure installments and see the exact amount upfront. We generate a Disclosure Statement in compliance with the Truth in Lending Act. INFORMATION ABOUT THE COST OF YOUR INSTALLMENT PLAN - Monthly interest rate ranges from 0% to 3.49% - Annual Percentage Rate (APR) ranges from 0% to 41.88% - Service charges range from 0% to 10% - Loan amounts range from PhP 500 to 50,000 - Installment terms are flexible from 2 to 24 months REPRESENTATIVE EXAMPLE OF THE TOTAL COST OF A LOAN - 3-month cash Installment plan for PhP 12,000: We will disburse PhP 12,000 to your bank account (no upfront deductions). - You will repay in 3 monthly installments of PhP 4,539 (PhP 4,000 Principal, PhP 419 Interest, PhP 120 Service Charge each). - Total repayment = PhP 13,617 (PhP 12,000 Principal + PhP 1,257 Interest + PhP 420 Service Charge). We love feedback! Email us at: info@billease.ph - FB: https://www.facebook.com/billeaseph/ - IG: https://www.instagram.com/billeaseph/ Corporate Name: First Digital Finance Corporation Business Name: First Digital Finance Corporation PSEC Registration Number: CS201516347 ✅Regulated by SEC as Finance Company with Certificate of Authority (CA): 1101 ✅ Regulated by Bangko Sentral ng Pilipinas as Operator of Payment System (OPSCOR-2021-0007) Registered address: 9th Floor, TM Kalaw Center Building, 667 TM Kalaw Street, Brgy. 666, Zone 72, Ermita, Manila, Philippines