Borrow $200.
Repay $210 over 62 days.

Small loans for drivers and riders on the apps

Chat to borrow $10 to $200 at 0% interest. Flat 5% fee.

Now taking applications

Apply now
  • Borrow from $10 to $200
  • Repayment period: 62 days
  • Interest: 0%
  • Fee: 5%. e.g. Total to repay on a $200 loan is $210
  • You see the full repayment schedule before you accept.

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

Who can apply?

Anyone 18+, living in Australia with income paid into an Australian bank account.

0% interest.

Always. Billie charges no interest. Ever.

5% flat fee.

No more to pay. Ever.

How do I apply?

Hit ‘Apply now’. Our friendly chat will ask you to verify your ID and connect your bank account. We will then assess what you can afford (approval is not guaranteed).

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, the cash goes straight to your bank account.

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 directly to your account
Apply now

Tell me more!

Who can use Billie?

Anyone 18 or over, living in Australia, with regular income paid into an Australian bank account. Billie is built for drivers and riders on the apps: Uber, Uber Eats, DoorDash, DiDi, Airtasker, Milkrun, and Amazon Flex. 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. We show you the full repayment schedule before you accept. Approval is not guaranteed.

How do I repay?

Repayments are weekly, so you have one less thing to worry about. You choose your term (up to 62 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.

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.