Pay Your Bills Now.Turn Any Bill into 4 Easy Payments.Stress-Free.
Upload your bill and we'll cover it. You pay us back over 4 weekly installments, with no interest and no credit checks.
| At approval Includes $12.00 service fee + $5.28 card processing | $66.78 | due first |
| Jul 9 | $33.50 | scheduled |
| Jul 16 | $33.50 | scheduled |
| Jul 23 | $33.50 | scheduled |
Trusted by customers who pay bills with these companies and many more
How It Works
Get your bill paid in 4 simple steps
Upload Your Bill
Snap a photo or upload a PDF of any bill
Get Approved
No credit checks. We review your bill, usually within 1 business day.
We Pay Your Bill
Once approved, Willow pays your provider within 1-3 business days.
You Repay in 4
Interest-free, automated payments
Bills Paid. Cash Flow Kept.
WillowPay covers your essential bills so you can spread the cost over 4 weekly payments. No interest, no credit checks, and you see your exact payment plan up front.
Your Bill Gets Covered. You Pay Us Back Over 4 Weeks.
WillowPay steps in before your bill is due. We pay your provider on your behalf, then you repay us over 4 weekly installments: a larger first payment that covers a third of your bill plus the one-time fee, then 3 equal payments. No interest. No credit check. Nothing is charged until your bill is approved.
Every bill submitted through Willow
Paid on time. Every time.
Submit your bill at least 5 days before it's due and we'll handle the rest.
Why Choose WillowPay?
Fair, transparent, and designed for your peace of mind
No Interest Ever
Just a one-time service fee from $6 per $100 covered, plus card processing. No interest, ever.
Fast Approval
Get approved in less than 1 business day with our streamlined process
No Credit Check
Approval based on your bill, not your credit score or history
Covers Most Bills
Utilities, car payments, childcare, insurance, subscriptions, and more
Real Stories from Real People
See how WillowPay has helped thousands of Americans
"My car payment was covered quickly after I uploaded the bill. Split it into 4 payments and barely felt it."
"No credit check, no hassle. I got approved when my bank said no. Willow actually came through."
"I used to stress every month trying to time my paycheck with my utility bills. Not anymore."
Fair, One-Time Fees. No Interest.
Simple pricing that makes sense
+$6 per $100 above $300
The service fee, plus a card processing fee (about 3%) when you repay by card, is included in your first payment. You'll see your exact plan before you submit.
Calculate My FeeFrequently Asked Questions
Get answers to the most common questions about WillowPay
What is Willow and what do you do?
Willow is a bill payment service that pays your bills immediately and lets you pay us back over 4 installments with no interest. We help you manage cash flow by splitting large bills into smaller, manageable payments.
How much does Willow charge?
We charge a one-time service fee of $6 for every $100 covered (or part of it): $6 for bills up to $100, $12 up to $200, $18 up to $300, and so on. A card processing fee (about 3%) also applies when you repay by card. Both are included in your first payment, with no interest and no compound fees.
Is Willow safe?
Yes, absolutely. We use bank-level security and are secured by Plaid, a trusted financial technology company. Your personal and financial information is encrypted and protected with industry-leading security measures.
How do I get approved?
Getting approved is simple and fast. We don't do credit checks. Approval is based on your bill and basic information. Most customers get approved within 1 business day through our streamlined process.
How long is needed to pay a bill on time?
We typically pay your bill within 1-2 business days of approval. To ensure your bill is paid on time, we recommend submitting your request at least 3-5 business days before the due date.
Don't Stress Over Bills.Willow's Got You.
Join thousands who've found financial peace of mind with WillowPay
Start My First Bill