Your money, sooner.

Small loans for drivers and riders on the apps

Chat to borrow $10 to $200 at 0% interest. No credit check. Flat 5% fee. Cash in minutes.

Now taking applications

Apply now

Short week?

A delivery rider on an electric bike beside the Yarra River in Melbourne

Quiet shifts. Algorithm changes. Rent. Food. Uni fees. Remittances. Rego.

All due this week.

But pay day is next week.

You need Billie

Apply now

No credit check

No credit history needed. Approval is based on how much you earn.

0% interest.

Always. Billie charges no interest. Ever.

5% flat fee.

No more to pay. Ever.

Cash in minutes

So you can get on with your life

How much does it cost?

Drag the slider

$200
You borrow$200
Billie fee (5%)$10
You pay back$210

That’s it. No more to pay. Ever.

Apply now

I need $150 for new tyres

No problem! The total amount repayable is $157.50, including a 5% flat fee of $7.50. How long do you need to borrow it for?

Three weeks. When can I get it?

Once approved, you’ll have the cash in minutes.

Billie is live!

Our first batch is open. Apply in a few minutes, right from your phone.

Apply now

How Billie works

It’s as simple as a chat! No forms. No uploads.

  1. Tell Billie what you need
  2. We verify your income – not your credit history
  3. Cash sent to your account in minutes
Apply now

Tell me more!

Who can use Billie?

Drivers and riders on the apps: Uber, Uber Eats, DoorDash, DiDi, Airtasker, Milkrun, and Amazon Flex. If you're earning through any of these and you need a small loan to bridge the short week, Billie is built for you. No employer or traditional payslip needed.

How much can I borrow?

At launch, $10 to $200. The limit grows for returning customers as Billie grows. We start small on purpose – the first loans are funded by us personally, and we'd rather lend a little to a lot of people than a lot to a few.

What exactly is the 5% fee?

A one-time flat charge on what you borrow. No interest. No compounding. Nothing else gets added. Borrow $200, the fee is $10, you pay back $210. Full stop.

How do I get approved?

Chat with Billie, confirm a few details, and securely connect your bank account so we can check affordability. If you're eligible, you can be approved in minutes.

How do I repay?

Repayments are weekly, so you have one less thing to worry about. You choose your term (up to 30 days) when you apply, and we show you the full schedule before you accept. Each instalment is the same, with a smaller final payment to round out the term.

Do you check my credit history?

No. Billie doesn’t ask for payslips, documents or a credit history. We look at the income already in your bank statements and what you can comfortably repay. Billie never reports your loan to anyone else either, so borrowing with us leaves no trace.

What if I can't make a repayment?

Life happens. If you think you might have trouble repaying, get in touch as early as you can. See our hardship page for details.