The anniversary promo will select 41 winners through a grand raffle draw supervised by the Department of Trade and Industry (DTI). The promotion runs from September 1 to October 31, 2026, with the raffle draw scheduled for November 9, 2026.
₱1.5 Million in Cash Prizes
One grand prize winner will take home ₱1 million in cash, while 40 other winners will receive cash prizes ranging from ₱10,000 to ₱20,000.
Billease will cover the 20% withholding tax for prizes exceeding ₱10,000.
Swiftpay today announced that Billease is now available as a buy now, pay later (BNPL) payment method in its online checkout. Merchants already accepting payments through Swiftpay can enable Billease from their existing setup, and it appears as a payment option to shoppers at checkout.
The partnership works in both directions. Merchants gain a payment option that lifts average order value, and Billease's more than 10 million users gain the ability to pay in installments at any online merchant on the Swiftpay network, using the same account they already have.
For Billease, this first facility with PNB is a key milestone. It reflects the growing confidence among the country’s largest banks in lending against high-quality consumer finance receivables. As Billease grows, there is a conscious effort to expand its local funding base for both its economics and efficiency. AlphaPrimus Advisors acted as a transaction advisor for this debt facility.
Billease, one of the Philippines’ leading consumer finance and buy-now-pay-later platforms, today reported audited consolidated results for the financial year ended 31 December 2025. Revenue grew more than 80% to US$151.2 million and net profit reached US$13.6 million, extending Billease’s multi-year track record of profitability—a rare position in a market where the majority of digital banks and lenders remain in the red.
The platform’s gross loan book grew more than 77% to US$212.1 million, total assets reached US$233.5 million, and Billease now onboards more than 100,000 new customers every month. The business delivered a return on assets of roughly 6.8%.
Billease, one of the Philippines’ leading consumer finance and buy-now-pay-later platforms, today announced that it has injected ₱500 million in fresh capital into its banking arm, the Rural Bank of Sta. Maria – Ilocos Sur (RBSM), with a further ₱500 million committed by year-end bringing the total infusion to ₱1 billion and the bank’s total capitalization to more than ₱1 billion. The investment marks the second phase of Billease’s growth strategy, building regulated banking services on top of its digital lending platform, and supports the Bangko Sentral ng Pilipinas’ (BSP) recent move towards digi-centric rural banks.
The Buy Now, Pay Later (BNPL) market in the Philippines is booming. According to Statista, the country’s BNPL transaction value is projected to reach ₱45 billion by 2026, growing at an annual rate of over 20%. This surge reflects how Filipinos are embracing flexible financing to manage everyday expenses and big-ticket purchases.
At the forefront of this movement is Billease, one of the fastest-growing BNPL platforms in Southeast Asia. Since its launch in 2017, Billease has served over 1.5 million users and partnered with more than 20,000 merchants nationwide, including Lazada, Agoda, Kimstore, and Anson’s.
Billease has officially cemented its position as the country’s premier Buy Now, Pay Later (BNPL) provider, riding the wave of surging consumer demand for flexible payment solutions and the rapid expansion of the Philippine fintech ecosystem.
Billease: Driving BNPL Growth
Billease has established itself as the leading Buy Now, Pay Later (BNPL) platform in the Philippines, driven by strong consumer adoption and strategic expansion. The company’s recent acquisition of a rural bank has strengthened its lending capacity, allowing it to reach more communities and extend financial access to underserved markets.
“Our mission is to democratize access to credit,” said Georg Steiger, CEO and Co-founder of Billease. “We’re committed to empowering Filipinos with smarter, more flexible ways to manage their finances.”
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Buy Now, Pay Later (BNPL) is reshaping Filipino purchasing power, and Billease is positioning itself as the frontrunner in this fast-growing financial trend. With inflation and rising costs squeezing household budgets, BNPL services have become a lifeline for many consumers allowing them to stretch payments, manage expenses, and still enjoy the latest lifestyle upgrades.
BNPL and Filipino Spending Power
BNPL adoption in the Philippines has surged as more consumers seek flexible financing for essentials and big-ticket items.
Younger Filipinos, especially Gen Z and millennials, are driving this growth, using BNPL for gadgets, fashion, and even daily needs.
Billease stands out by offering perks beyond installment plans, reward programs, promos, and exclusive deals that enhance affordability.
Common Strategies Filipinos Use Before Payday
1. Budgeting Essentials First
Most households prioritize necessities food, utilities, and transportation while postponing non‑essential purchases. This helps ensure that the most important needs are met even when funds are tight.
2. Borrowing from Family or Friends
It’s common to rely on trusted circles for short‑term financial support. While informal borrowing can be helpful, it may also strain relationships if repayment is delayed.
The MobileAP app now supports Billease payments for customers served by:
Visayan Electric – covering Cebu City, Mandaue City, Talisay City, and the municipalities of Consolacion, Liloan, San Fernando, Minglanilla, and Naga in Cebu
Davao Light – serving Davao City, Panabo City, and parts of Davao del Norte
Cotabato Light – covering Cotabato City and portions of Sultan Kudarat and Maguindanao del Norte
Subic EnerZone – serving SBFZ (Subic Bay Freeport Zone), Olongapo City, and nearby areas
Lima EnerZone – providing power to the LIMA Estate in Lipa and Malvar, Batangas
Running until December 31, 2025 the initiative offers a 100% waiver on late fees for qualified customers who fully repay their principal, interest, and regular charges during the campaign period. The program is expected to benefit over one million customers, covering an estimated amount worth billions of pesos in waived penalties.
“We understand that many Filipinos have faced financial challenges over the past years. This campaign is our way of helping customers make a fresh start, free from the weight of accumulated fees,” said Georg Steiger, CEO and Co-Founder of Billease. “By removing these barriers, we aim to rebuild trust, improve repayment recovery, and re-engage customers who want to restore their financial standing.”
The partnership lets merchants using Payrex instantly activate Billease at checkout, giving consumers access to installment-based payments while helping small businesses boost conversions and average order value.
Edwin Lacierda, Co-Founder and CEO of Payrex: “Our goal has always been to make payments simple for developers and accessible for businesses of any size. With Billease built right into our platform, we’re giving merchants the ability to offer flexible credit at scale – no heavy lifting required.”
A Festive Celebration of Financial Inclusion and Community for Millions of Filipinos
Billease, the Philippines’ leading consumer finance and “Buy Now, Pay Later” platform, brought together thousands of Filipinos for a festive day of fun, prizes, and community celebration during “Kim and Billie’s Pamasko” held on November 9, 2025, at the SM Mall of Asia Music Hall.
Headlined by Billease brand ambassador Kim Chiu, the large-scale event was filled with excitement, entertainment, and surprises celebrating the brand’s growing community of users and partners nationwide. Despite the rainy weather, thousands of attendees came and celebrated, turning the event into a huge success and a true testament to the loyalty and enthusiasm of the Billease community.
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The new feature allows Filipino shoppers to browse discounted products sold by its trusted and accredited online merchants, shop, and check out, all without leaving the Billease app. Shoppers can pay over time using their existing Billease credit limit, combining exclusive offers with flexible installment options.
Filipinos can now use Billease for daily spending via QRPh and Tap-and-Pay with the flexibility to pay later or seamlessly convert purchases into light installments. As QRPh becomes the fast, secure, and widely accepted way to pay, Billease takes it further by adding unique features, all with no hidden fees.
Billease, the Philippines’ fastest-growing consumer finance app, today announced a major expansion of its platform: an Everyday Spend Credit that allows customers to use their Billease credit line for daily purchases through Scan to Pay by QRPh and Tap and Pay thru NFC transactions. Filipino consumers can pay with Billease almost anywhere, then choose to either settle on their next payday at zero interest and zero fees or convert purchases into manageable installments anytime before their due date.
Billease is reshaping how Filipinos pay for everyday essentials, eliminating tedious top-ups and hidden charges from traditional credit lines. With a flexible credit line that works wherever you shop, Billease makes payments simple, transparent, and worry-free, with no guesswork, no conversion fees, and no fees for new installments.
As electricity costs continue to surge nationwide, Filipino families are increasingly seeking sustainable alternatives to reduce household expenses. While solar power presents a viable long-term solution, high upfront costs and complex traditional financing requirements have historically placed this technology beyond the reach of most households.
