Here's exactly how Willow works
We pay your bill now. You pay us back over 4 weekly payments. Two minutes to understand it, about sixty seconds to start.
Four steps, start to finish
You do the easy part. We do the rest.
- ~2 minutes
Step 1: Snap your bill
Take a photo of your bill or upload the PDF. That's your whole job. We read it automatically: the company, the amount due, and the due date. Nothing to type, nothing to get wrong.
- About 1 business day
Step 2: We review it
You submit; we take it from there. We confirm your bill is real, in your name, and within your coverage. No credit check, ever. Most bills are reviewed in about 1 business day.
Usually about 1 business day, and never a credit check.
- 1-3 business days
Step 3: We pay your provider directly
You confirm your plan; we send the money straight to your biller, so you never have to move it yourself. Payments go out electronically to most major billers. Allow 3-5 business days for it to post on your account.
Sent electronically to most major billers. Allow 3-5 business days to post.
- Over 4 weeks
Step 4: Pay us back weekly
You pay us back in 4 weekly payments. The first includes your one-time fee; the next three are charged automatically, one week apart. Every date and every amount is shown to you before you confirm anything.
Your exact plan is shown to you before you confirm anything.
One flat fee. Zero interest. No surprises.
What Willow costs, in plain English
One flat service fee
A one-time flat service fee is added to your bill and built into your payment plan, along with standard card processing when you repay by card. No monthly charges, no subscriptions.
You see everything first
Before you confirm anything, you'll see your exact payment plan: every date and every amount, down to the penny.
No interest, ever
Willow never charges interest, and paying early never costs extra. What you see on your plan is what you pay.
Everyday bills, covered
If it keeps your household running, chances are we can split it
- Utilities
- TV & Internet
- Mobile Phone
- Insurance
- Car Payment
- Other everyday bills
We don't cover rent, loan payments, or credit-card bills.
Bills our customers have split: phone, internet, utilities, insurance, and more.
Start at $150. Grow to $700 and beyond.
Your coverage grows automatically every time you fully repay a bill. No application, no credit pull.
- Bill 1: coverage up to $150
- Bill 2: coverage up to $325
- Bill 3: coverage up to $425
- Bill 4: coverage up to $525
- Bill 5: coverage up to $575
- Bill 6: coverage up to $625
- Bill 7: coverage up to $700
These are coverage limits, not what you pay. Your payment plan always depends on your actual bill, and our most active customers can grow beyond $700.
Questions people ask before they start
Straight answers, no fine print required
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.
No. We don't run a credit check when you apply, and we don't report your payments to credit bureaus. Approval is based on your bill and basic information.
Start with up to $150 on your first bill. Your coverage grows to $700 or more as you repay on time. Your limit increases with each bill you pay off: $325 after your 1st, $425 after your 2nd, and up to $700 by your 6th. Our most active customers can grow beyond $700. No application needed. It grows automatically.
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.
That's it. That's how it works.
Your bill covered now, paid back over 4 weeks, and you'll see your exact plan before you commit to anything.
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