Borrow $200.
Repay $210.

No interest. One-off 5% Transaction Fee. Choose how long to borrow, up to 62 days. Eligibility applies.

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What it costs

Loan amount: $10 to $200
Repayment: Up to 62 days
Interest: 0% p.a.
Fee: One-off 5% Transaction Fee

Representative example: Borrow $200 and repay $210 in total, over a period of up to 62 days. That is $200 plus a one-off 5% Transaction Fee of $10, the only fee.

Who can apply

You are 18 or over and live in Australia.
You are allowed to do the work that earns your income.
Your regular income is paid into an Australian bank account in your name.
It is for an unexpected cost, mainly for personal or household reasons.

Approval is not guaranteed. Please read our Target Market Determination before you apply.

How it works

Apply via chat. Tell Billie how much you need.
Verify your ID and connect your bank account. We get a read-only copy of your transactions to check what you can afford.
See every repayment and due date, then accept if you are happy.

Apply now

Work out your cost

Drag the slider

$200

You borrow$200

5% Transaction Fee$10

You repay in total$210

Questions

What does it cost?

A one-off 5% Transaction Fee and no interest. Borrow $200 and you repay $210 in total. The Transaction Fee is the only fee.

How is my bank account used?

You connect through a bank statement provider. Your login goes straight to them and never passes through Billie’s servers. We get a read-only copy of your transactions to work out what you can repay. We cannot move money or change your account, and we never see your bank login. Our Privacy Policy explains what we collect and who we share it with.

How do I repay?

When you apply, choose how long to borrow, up to 62 days. You repay weekly.

What if I cannot repay?

Late repayment has consequences. If you might have trouble repaying, please see our hardship page.