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Split your AT&T bill into 4 easy payments

Upload your AT&T bill and we cover it today. You pay us back weekly, with no interest. Your first bill is covered up to $150, and your limit grows to $700 or more as you repay.

No Credit Check
One-Time Service Fee
Approval in About 1 Business Day
Start with My BillSee How It Works

Willow is an independent service and is not affiliated with or endorsed by AT&T.

Fair, One-Time Fees. No Interest.

Typical AT&T phone bills run about $85. Try your own amount below.

See your 4-payment plan

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

How It Works

Get your bill paid in 3 simple steps

1

Upload Your Bill

Snap a photo or upload a PDF of your AT&T bill.

2

Get Approved

No credit checks. We review your bill, usually within 1 business day.

3

We Pay, You Repay in 4

Once approved, Willow pays your provider within 1-3 business days. You pay us back over 4 weekly installments with no interest.

Try It Now: First Bill Up to $150

Frequently Asked Questions

Get answers to the most common questions about Willow

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.

Does Willow affect my credit score?

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.

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.

Can I pay my AT&T phone bill with Willow?

Yes. Willow covers household bills: utilities, insurance, phone, internet, and more. Upload a clear photo or PDF of your AT&T bill showing the amount due, due date, and your name. There's no credit check, approval usually takes about 1 business day, and we pay your biller within 1-3 business days after approval. Willow is an independent service and is not affiliated with or endorsed by AT&T.

View All FAQs

Willow is an independent service and is not affiliated with or endorsed by AT&T.