Your first bill covered up to $150. No credit check, and your limit grows as you repay.

Bill due? It's handled.

Split any bill into 4 easy payments

Upload your bill and we cover it today. You pay us back weekly, with no interest.

Your biller gets paid in full, on time.
One flat fee, shown before you confirm.
We text you before every payment.
Start at $150, grow to $700 or more.

Your Internet Bill

$150.00

Split into 4 payments

At approval Includes $12.00 service fee + $5.28 card processing	$66.78	due first
In 1 week	$33.50	scheduled
In 2 weeks	$33.50	scheduled
In 3 weeks	$33.50	scheduled

Total you'll pay:$167.28

Original bill $150.00 + $12.00 service fee + $5.28 card processing

Nothing is charged until your bill is approved.

Bills our customers have split: phone, internet, utilities, insurance, and 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

Try It Now: First Bill Up to $150

Fair, One-Time Fees. No Interest.

Simple pricing that makes sense

Bills up to $100

$6 fee

One-time service fee

Bills up to $200

$12 fee

One-time service fee

Bills up to $300

$18 fee

One-time service fee

+$6 per $100 above $300

See your 4-payment plan

Bill amount

Payment 1 of 4 (first payment, includes all fees):
At approval
$66.78
Payment 2 of 4:
In 1 week
$33.50
Payment 3 of 4:
In 2 weeks
$33.50
Payment 4 of 4:
In 3 weeks
$33.50

Total you'll pay:$167.28

Bill $150.00 + $12.00 service fee + $5.28 card processing

Nothing is charged until your bill is approved.

If a scheduled payment is missed, a flat $5 late fee applies. That's the only late fee, and you'll always see it coming: we text a reminder before every payment.

The service fee, plus a card processing fee (about 3%) when you repay by card, is included in your first payment. Your plan starts with a larger first payment that covers a third of your bill plus the one-time fee, then 3 equal payments. If a scheduled payment is missed, a flat $5 late fee applies. That's the only late fee, and you'll always see it coming: we text a reminder before every payment. You'll see your exact plan before you submit.

Bank-level security

Protected with 256-bit encryption.

Your bank is never charged

Repayments go on the card you choose.

Secured by Plaid

We never see your bank credentials.

What our customers say

From real bills our customers have split.

Car payment

"My car payment was covered quickly after I uploaded the bill. Split it into 4 payments and barely felt it."

Anton

First approval

"No credit check, no hassle. I got approved when my bank said no. Willow actually came through."

Darren

Utility bill

"I used to stress every month trying to time my paycheck with my utility bills. Not anymore."

Ricardo

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A couple leans on their kitchen counter smiling at an open laptop, a small plant beside it

A mother holds her infant over her shoulder while reaching toward a laptop on a desk by a window

A mother with a toddler on her lap uses a laptop at a wooden dining table by a large sunlit window

A mother writes notes on paperwork beside a laptop at a wooden coffee table while her young child uses a tablet next to her

A man seated on a brown leather sofa smiles softly while looking at his smartphone

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An older couple leans in close and laughs together at a laptop in their kitchen

Why Choose Willow?

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

Approval usually takes about 1 business day, based on your bill, not your credit

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

Frequently Asked Questions

Get answers to the most common questions about Willow

What is Willow and what do you do?

Willow is a bill payment service that covers your bills on your behalf and lets you pay us back over 4 weekly installments with no interest. We help you manage cash flow by splitting bills into smaller, manageable payments.

How much does Willow charge?

Our one-time service fee is $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 fees are included in your first payment, which also covers about a third of your bill. A $5 late fee applies if a scheduled repayment is missed. No interest, no hidden charges.

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 straightforward. We don't do credit checks. Approval is based on your bill and basic account information. Approval usually takes about 1 business day.

How far ahead should I submit my bill?

Approval usually takes about 1 business day, and we pay your biller within 1-3 business days after approval. To be safe, submit your bill at least 5 business days before it's due.

What happens if I miss a payment?

If a scheduled payment is missed, a flat $5 late fee applies. That's the only late fee, and you'll always see it coming: we text a reminder before every payment. If you're having trouble, contact us before the payment date. We'll work with you.

View All FAQs

Don't Stress Over Bills.Willow's Got You.

Your bill covered today, paid back over 4 weeks, on your schedule.

Start My First Bill