About Billy

Billy was created to solve a simple but painful problem:

Bills don’t wait — even when your paycheck does.

We noticed something no one was really fixing: Millions of Americans juggle late fees, overdrafts, or payday loans just to keep the lights on — not because they’re irresponsible, but because their income timing doesn’t always line up with due dates.

So we built Billy. A simpler, safer way to break your bills into smaller payments — no interest, no credit checks, and no judgment.

We’re not here to trap people in debt.
We’re here to give breathing room when it matters most.

Billy is currently in private beta. Join us early and help shape what comes next.