How to Buy from Lazada on an Installment Basis

How to Buy from Lazada on an Installment Basis

Learn how you can get your dream Lazada purchase using BillEase, a 100% online and hassle-free service providing an installment payment option for your online shopping needs.

Since its arrival to the Philippine shores on 2014, Lazada has been consistently one of the top websites Filipinos go to for their online shopping needs. Aside from the wide range of products and categories available in the website, Lazada also offers amazing deals and discounts for their members – something that a lot of us budget-conscious Filipinos are always on the lookout for!

Buying from Lazada is also simple and hassle-free (Read: 5 Amazing Tips for Getting the Best Deals in Lazada). The website’s interface is easy enough to navigate through and payment options are surprisingly flexible as well.

Aside from online payment systems and over-the-counter payment centers, Lazada also accepts Cash On Delivery (COD), credit cards, and bank installment plans.

But did you know you can buy from Lazada using an installment plan – no credit card needed?


The home page where people can avail 0% installment plan for their Lazada purchases
Billease: Blissful Shopping. Easy Billing.

BillEase is one of the newest online shopping partners for Lazada Philippines. It is an online and hassle-free service that provides an installment payment option for your online shopping without the need for a credit card or a debt comaker.

The best part? BillEase’s financing program offers installment plans for as much as ₱10,000!

Curious how to avail of BillEase’s installment plan? Below is our step-by-step tutorial:

Step 1:

Using the slider, input your Lazada Order Value, Cash Out Amount, and Installment Terms. These values will determine how much your loan is and for how long you’re going to pay for it.

Lazada Order Value: How much you need to make your purchase in Lazada
Cash Out: Amount you need to pay to Lazada (in the event the amount of your purchase will exceed your voucher amount)
Installment Terms: Number of days you’ll be paying for your loan

Step 2:

Fill in the short online application form. Be as thorough as possible as the information you submit here will be vital to the fast and efficient processing of your request.

Billease application form for their 0% installment plan for Lazada PH
Fill out the short application form. Be as thorough as possible!

Step 3:

Submit a digital copy of the following: Proof of Income, Proof of Billing, and valid government ID. Refer to the images below for a list of accepted Proof of Income, ID, and Billing.

Step 4:

Wait for BillEase’s confirmation. You will be notified via email after one (1) banking day if your request has been approved. Similarly, they will also email you if your request has been declined. So make sure that you check your email regularly!

Step 5:

Once approved, you can now log back into the BillEase website and claim your BillEase credit limit. Once claimed, funds will be transferred to your Lazada E-Wallet so make sure you activated your E-Wallet prior! 

Important note: All E-Wallet disbursements are considered final and good as cash. This means we can no longer cancel your installment once claimed! 

Another important note: Read more about our Lazada E-Wallet feature here.

And there you have it! With BillEase, you can enjoy your online shopping purchases now and pay for them later. Try it out and let us know what you think of the process in the comments section below.

Happy shopping!

61 thoughts on “How to Buy from Lazada on an Installment Basis

  1. my credit limit is 4k, so is this means i can only get the 4k voucher and place order amounting 4k only? please enlightened me.

    thank you

  2. Hi Aljie! Thanks for visiting our blog. As for your questions:

    1. Yes, you can only get a maximum of 4k for your voucher if your credit limit is 4k.
    2. You can still place a Lazada order higher than 4k, but you will have to pay for the excess amount directly to Lazada through their other payment options.

    Let me know if you have further questions. Hope this helps!

  3. My Credit Limit is 3,500 and my desired item is cost 6,000. May i ask if my payments on lazada is 2,500 + the downpayment 500php?

    1. Hi Edwin,

      Thanks for your inquiry.

      The downpayment amount really depends on the amount of the Lazada purchase you want to avail. If the amount of your item is more expensive than your voucher, you need to pay the difference with Lazada through cash as your downpayment. But if the amount of your item is less than or equal to your voucher, there will be no downpayments to be made.

      Hope this helps. Let me know if you have other questions!

  4. Hi. I’m kinda befuddled by your initial installment computation. Say, my Lazada order is worth 5000 pesos so I applied for a voucher for the same amount. However, it also indicated that I am to give 1000 pesos to Lazada as downpayment upon delivery as indicated (which cannot be slid down to zero). So, basically, if i pay for the monthly installment worth 858 x 6 months plus the initial 1000 pesos to be paid upon delivery, I will be paying around 6148 in total for a 5k item? Is that how it works? Kindly enlighten me please. Thanks and here’s to looking forward to your immediate feedback. 🙂

    1. Hi Carlo!

      Thank you for your inquiry.

      If the voucher that you applied for is the same amount as your Lazada order value, you won’t have to pay for a downpayment anymore. So in this case, you will only have to pay for a downpayment if your Lazada order is worth ₱6000 and the voucher amount you’re applying for is, say, ₱5000.

      But if you’re applying for a ₱5000 voucher for a ₱5000 Lazada order, your COD will be 0php and your installment plan = ₱858 for 6 installments (kindly note that BillEase’s maximum installment duration is 3 months or 90 days).

      Hope this helps! Let me know if you have further clarifications!

    1. That’s great to know, Carlo! Just sound off here if you have further inquiries. Gonna try my best to answer them. 😉

  5. hello,

    can you enlighten me about this one? what if i want to purchase an Item to lazada and it only cost 400-500php, and yet i only have 3500 limit, what would happen to it? how would i get a voucher for it? is this possible? or do I really need to get all of 3500 voucher for only 400-500php amount for lazada?

    1. Hi Dave,

      You definitely use the voucher code to buy an item costing ₱400-₱500 if you wish. The cost of your purchases will be deducted from your voucher and your installment plan will be readjusted so you’ll only pay for the amount of voucher you used.

      However, as soon as you use your voucher code, it will – to an effect – expire. You will have to first pay off the ₱400-₱500 you used before you can request for another voucher code.

      Hope this helps! Let me know if you have other questions. 🙂

  6. Hi Kaila. For some reasons that Lazada won’t elaborate, my order was cancelled last time i checked today. I have used my voucher for that order and I can’t use it anymore to renew my order. How can I reclaim the voucher as it is unused anyway since the order was cancelled by Lazada. Been tryin’ to contact them but I’m still waiting for a reply as of yet.

    1. Hi Carlo!

      Very sorry to hear that. Do your details (name/address) in both your BillEase and Lazada accounts match? If it does not, you may have to change your details as Lazada is now implementing a safety feature wherein a customer’s personal details must match in both Lazada and BillEase accounts before their purchases can be approved. It’s possible that that is the reason for the cancellation of your order.

      That said, BillEase will have to wait for Lazada to send us an updated order status of your account. As soon as we receive that, we will make prompt adjustments to your account and you will be able to request for a new voucher code. You can read more about it here.

      Hope this helps!

  7. i was only given a 2000php credit limit on my account. i already finished the payments for my first purchase. now i would like to make another purchase with a higher value. what do i need to do to increase my credit limit? i tried reaching out thru email and hotline but i didn’t get any response.

    1. Hi Eloisa,

      Thanks for your inquiry. The decision for credit limit increase is system-generated. This means that our system will upgrade your limit from time to time and depending on how well you service your existing installment with us. This is why we encourage our customers to continue using BillEase and service your installments well to secure an increased limit.

      Hope this helps. Thank you!

  8. Hi can billease increase my credit limit i just got 2,500 ATM, is there any way to make it increase or requirements? TIA

    1. Hi Zek,

      Thanks for your inquiry.
      The decision for credit limit increase in BillEase is system generated. The system will upgrade your limit from time to time, depending on how well you service your existing installment with us.
      That is why we encourage our customers to continue using BillEase and service your installments well to secure an increased limit. Hope this helps. Thank you!

    1. Hi Pamela,

      Thanks fort your inquiry. For the cash out, it depends on your credit limit and the amount of your purchase. Say you want to buy a 10,000php phone, and your approved credit limit is 5,000php then you can use your credit limit to pay half the phone’s amount and the remaining amount will be your cash out. Let me know if you have further clarifications. Thank you!

    1. Hi Ana,

      Thanks for your inquiry. BillEase offers an installment payment method for your Lazada purchases with very minimal interest and processing fee involved. To get a better idea of our interest rates, you can use the online installment calculator in our site,

      Hope this helps!

    1. Hi Angelo!

      For the cash out, it will depend on your credit limit in BillEase and the amount of the item you want to purchase. So let’s say you have a 5,000php credit limit and the item you want to purchase costs 7,000php. Your cash out then will be the 2,000php excess on your BillEase credit limit.

      Similarly, if you have a credit limit of 5,000php and would like to purchase an item worth 4,500php, there is no need for any cash outs. Rather, BillEase will adjust your repayment terms so that it will only reflect the amount you consumed from your credit limit.

      Hope this helps. Thank you!

  9. Why i didn’t received any email from you about my applying installment ? Please inform me thanks!

    1. Hi Joveann,

      Upon checking, our credit team is still verifying the documents you submitted. Apologies for the delay, but we will surely send you an email notification once our team has reached a decision on your application.

      Thank you!

    1. Hi Marjellyn!

      Your cash out or down payment will depend on your approved credit limit. Say you were approved for 6k php and your purchase is worth 6990 php, you can use BillEase to cover 6k of your purchase and your cash out will be worth 990 php.

      Hope this helps!

  10. Hi Billease, What if ang binigay sa aking Credit limit is 4k,then mag purchase ako sa lazada ng TV worth 3,999 pesos.
    May kailangan pa po ba akong bayaran na cashout bago ko matangap ang na Purchase ko using my Billease Credit?
    May kailangan pa po ba kaong bayaran? Or yung Credit limit ko ang gagamitin ko to purchase any item in Lazada?
    Or I have to pay first my Monthly payment bago ko makuha ang ITEM?Please answer me Salamat.

    1. Hi Eden,

      If the amount of your purchase is less than or equal to the amount of your voucher, no cash out is required. Cash out is only needed if the amount of your purchase exceeds the amount of your voucher – your total amount of cash out reflecting the excess between your purchase and voucher amount. You will also have to pay the cash out via COD to the Lazada courier.

    1. If your Lazada order got cancelled/ returned or there’s some delay in delivery of your item, the amount and schedule of your repayments with us will NOT be affected by any returned/ cancelled or delayed orders. Meaning, we will stick to the schedule stated in your signed contract.

  11. Hi i would like to place an installment plan for huawei y7 pro…how much is the cash out and how many months and magkano a first timer here..thank you!

    1. Hi Editha!

      Unfortunately, BillEase does not offer specific gadget loans. What we do is provide a specific credit limit for each customer and customers can use that credit limit to purchase what they want from Lazada. The amount of repayment per month depends on how much your credit limit will be and the amount of cash out depends on how much your purchase costs versus the amount of credit limit that you have. Hope this clarifies!

  12. What is your basis on credit limit? I have a friend who is working in BPO as Tech. Support, Single and earning as much as 33000 net incoming every month. But yet you gave her 3,500 credit limit???. She has an outstanding record and good payor of AEON Credit Services. And purchased an inverter 1.5 HP worth of 35k approved by Aeon Credit and Now on her Last month on paying without delay. I just don’t get it how your credit evaluator is working with customers application. By the way FYI she submitted pay slip for 15 days cut off salary, proof of billing address, work address and even company e-mail address. Sorry I just don’t get it.

    1. Hi Jomz!

      BillEase prefers to give a smaller credit limit as a starting point to ALL customers. This is to establish your credit relationship with us first, and it makes more sense because the first installment term for new customers is only three months. The good news, however, is that with continued use and on-time payments, credit limits do increase! Some customers start at 2.5k but have grown their credit limits to 40k in less than a year. Hope this clarifies!

  13. I am interested this kind of plan.. but i have no proof of income such as pay slip. I am self employed or self earning citizen.. Is there a way, to grant my appreciation soon?

    1. Hi Joel! If you have a bank account, you can send either your online banking statement or even a picture of your passbook as a proof of income. Thank you!

  14. hi, Pag na Fill mo na ba yung loan application at waiting for approvement nlang. pwedi pa po ba yun ma cancel? as in hindi ka nlang mag lo-loan? ty po

    1. Hi JC!

      You can send us an email at so we can cancel your application. However, it is worth noting that having a BillEase credit limit can be handy in the future! You don’t have to withdraw your credit limit (so you won’t have to pay for anything) – just use it whenever you need it. 🙂

    1. Please be advised that loans requested after cut-off will be processed next business day. Kindly anticipate the disbursement next day around 5PM onward. Please make sure that the email address used to login in Lazada is the same with BillEase for a successful disbursal. You will receive a notification once it’s already topped up. Thank you.

  15. hello can i used my lazada wallet to pay meralco bill i borrow 4ooo from billease can i used this

    1. Hi Maricel!

      Your Lazada Wallet funds can only be used to buy PHYSICAL GOODS in Lazada. It cannot be used as payment to any other service outside the Lazada website. Thank you.

  16. ask ko lang 2nd time ko na to apply for billease loan, and for the 2nd time i got denied. Ano po ba criteria ng billease para ma approve? i have bank account, with passbook, i even sent a photo of my passbook showing my cash-flow, i have stable and significant income amounting to 60k average, but still my application was denied.

    1. Hi Christopher! We often advice recently rejected applicants to apply at least three months after they are initially declined. Seeing as your first two applications were only a week apart, perhaps it’s best to reapply at least three months from now and make sure that you have clear documents showing your cash flow for at least a month. Thank you.

  17. Nice post. I was checking continuously this blog and I am impressed!
    Very helpful info specifically the last part 🙂 I care for such info much.
    I was seeking this particular information for a very long time.
    Thank you and good luck.

  18. hello, I am working here in California but my business is there in the Philippines. How can I register and avail your installment plan if I dont have a Php phone number? Is it ok to use any of my relatives? please assist. Thank you!

    1. Hi we encourage that you get BillEase account when you’re already here in the Philippines. But I think using your relative’s number is okay, the only problem is when you’re not able to pay for the installment the number we verified will going to receive calls and we want you to receive it yourself. So think about it. Thanks!

    1. Make sure that you already claim your Credit Limit. Re-log in to your Lazada using the same email address you use to your BillEase account. Thanks!

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