Split your bills. Not your life.
Billy splits your essential bills — like electricity, phone, and insurance — into smaller, interest-free payments. It’s built for the basics, not the extras. No credit checks. No surprises.
Split your bill today — no interest, no credit checks!
Join the Billy movement
The better way to stay current on your bills.
Over 60% of Americans live paycheck to paycheck. When a bill hits at the wrong time, most options make it worse — overdrafts, payday loans, or credit card debt. Billy offers a simpler, fairer way.
How It Works
How It Works
How It Works
How Billy Works?
Choose a bill
Electricity, water, phone, insurance — you pick.
Choose a bill
Electricity, water, phone, insurance — you pick.
Choose a bill
Electricity, water, phone, insurance — you pick.
We pay it
Billy covers it instantly and notifies your provider.
We pay it
Billy covers it instantly and notifies your provider.
We pay it
Billy covers it instantly and notifies your provider.
You pay us back
In 2 or 3 smaller chunks. No interest. Just a flat fee.
You pay us back
In 2 or 3 smaller chunks. No interest. Just a flat fee.
You pay us back
In 2 or 3 smaller chunks. No interest. Just a flat fee.
Why Billy
Why people
love Billy
✅ Flat fees, not surprise charges
✅ Built for real life, not perfect credit
✅ Works with your bank account
✅ Helps avoid overdrafts & payday traps
✅ Transparent and empowering
Why Billy
Why people
love Billy
✅ Flat fees, not surprise charges
✅ Built for real life, not perfect credit
✅ Works with your bank account
✅ Helps avoid overdrafts & payday traps
✅ Transparent and empowering
Why Billy
Why people
love Billy
✅ Flat fees, not surprise charges
✅ Built for real life, not perfect credit
✅ Works with your bank account
✅ Helps avoid overdrafts & payday traps
✅ Transparent and empowering
Testimonials
Testimonials
Testimonials
What People Say About Us
“Billy helped me cover my electricity bill. It was fast, and I knew exactly what I’d pay back.”
— Amanda, single mom
“Billy helped me cover my electricity bill. It was fast, and I knew exactly what I’d pay back.”
— Amanda, single mom
“Billy helped me cover my electricity bill. It was fast, and I knew exactly what I’d pay back.”
— Amanda, single mom
“I used to fall behind on my phone bill. Now I stay on track without stressing my wallet.”
— José, contractor
“I used to fall behind on my phone bill. Now I stay on track without stressing my wallet.”
— José, contractor
“I used to fall behind on my phone bill. Now I stay on track without stressing my wallet.”
— José, contractor
"I was short $130 on my electric bill after my hours got cut. Billy covered it and let me pay it back over the next two weeks."
Maria, restaurant server
"I was short $130 on my electric bill after my hours got cut. Billy covered it and let me pay it back over the next two weeks."
Maria, restaurant server
"I was short $130 on my electric bill after my hours got cut. Billy covered it and let me pay it back over the next two weeks."
Maria, restaurant server
FAQs
FAQs
FAQs
Got questions? We’ve got answers.
What bills can I use Billy for?
Right now, Billy works best with essential recurring bills like rent, electricity, water, phone, and insurance. We’re working on expanding to more categories soon — and you can suggest one when you join the waitlist.
What’s the catch?
There isn’t one. We charge a small flat fee — no interest or hidden costs.
Do you do credit checks?
No. Your bank account history is enough.
Is this a loan?
Not in the traditional sense. It’s a short-term split with no interest or APR.
How fast does Billy pay my bill?
Once you’re approved, Billy pays your bill the same or next business day — so you don’t miss a due date. We move fast so you can stay on track.
What bills can I use Billy for?
Right now, Billy works best with essential recurring bills like rent, electricity, water, phone, and insurance. We’re working on expanding to more categories soon — and you can suggest one when you join the waitlist.
What’s the catch?
There isn’t one. We charge a small flat fee — no interest or hidden costs.
Do you do credit checks?
No. Your bank account history is enough.
Is this a loan?
Not in the traditional sense. It’s a short-term split with no interest or APR.
How fast does Billy pay my bill?
Once you’re approved, Billy pays your bill the same or next business day — so you don’t miss a due date. We move fast so you can stay on track.
What bills can I use Billy for?
Right now, Billy works best with essential recurring bills like rent, electricity, water, phone, and insurance. We’re working on expanding to more categories soon — and you can suggest one when you join the waitlist.
What’s the catch?
There isn’t one. We charge a small flat fee — no interest or hidden costs.
Do you do credit checks?
No. Your bank account history is enough.
Is this a loan?
Not in the traditional sense. It’s a short-term split with no interest or APR.
How fast does Billy pay my bill?
Once you’re approved, Billy pays your bill the same or next business day — so you don’t miss a due date. We move fast so you can stay on track.