Online shopping has never been famous than now. When people prefers to check and buy items through the internet rather than braving the traffic and the stinging heat. I'm guilty of this as well, which lead me to post this guide. An early disclaimer though, I am not in any way affiliated or working with the company that I am going to introduce, I just want to help my fellow Steemians and for public awareness too.
Now, I want to introduce Billease PH. With BillEase you can now order on Lazada (only here though, it does not work on other online markets) and enjoy convenient installment payments even without a credit card. Yes! that is right, no need for cards. Which I think is really good for people who don't have the privelege to own one or for those who opt not to get one.
In just 4 easy step you will be able to avail of this:
- Create your installment request
- Fill out your Application
- Get your credit decision
- Request your Lazada voucher
To register your account and create your installment request, go to their site and click on the Apply Now button:
Then this part next, please make sure that you will be using a valid, working mobile number as Billease will send an OTP code to for verification purposes:
You will then get this message after hitting the SUBMIT button: Thank you for registering with BillEase! To continue with your application, kindly check the email we have sent you and follow its instructions.
You can check their FAQ section here : https://billease.ph/faq and their blog: https://billease.ph/blog/. You can learn a lot of things there and it will answer most of the questions you have in mind.
So here it is, the verification email:
And once you have clicked on the Verify button it will open up the Billease site where you will be asked to create a password for your account now.
Next step will be completing all details and submission all of the requirements.
- Government ID (I used my UMID since they are widely accepted and is a primary ID)
- Complete address including a pinpoint location of your address on Google Maps (billease will take care of this so you will just click on the map)
- They will also ask for your proof of income, I submitted 2 copies of my Payslip (good for 1 month), but if you don't have one there are also other options available.
Sample photos of the process:
On this one, please make sure that you have used a valid mobile number:
My first application was last October 23, 2017 and it was approved 3 days after, October 26. This is if you were able to submit all of the required documents.
Once you are approved, you will get an email confirmation and that you may now claim your voucher. To do this, you will just have to log back in to billease.ph and go to your My Account. If you are wondering if the voucher will expire, the answer is **Yes. The voucher will expire after three days if unused. They highly encourage that you request your voucher only when you need it. **
I chose the 3 months installment plan, finished paying on time and I am on my second loan now. Usually, if you are a good payer, if you wanted to loan again it has been auto approved by the system, it's the one who will decide too if you can raise the amount. According to the support officer I talked to since they also have a Live Chat option, just continue using Billease, pay in time and you have a high chance of being able to request for a higher amount next time.
If you want to start big, Billease will ask during the application phase if you are willing to make a down-payment.
Example: You want to loan 10,000, the system will ask for at least 2,000 downpayment before you can proceed to the next steps.
I hope that you will be able to take advantage of this feature and buy that item you so longingly stare at when you visit Lazada. Do not forget that you can choose multiple items as long as the total is not more than the amount you loaned for.
Example: if you applied for a 3,000 peso worth of voucher, then your maximum Lazada purchase should be 3,000 too or less. And no there is no change (sukli) and the voucher code can be only used once and it does not coincide with other promotional codes
If you have further questions please let me know and I will do my best and answer them for you!
