Split your FPL bill into 4 easy payments

Upload your FPL 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 FPL.

Fair, One-Time Fees. No Interest.

Typical FPL utility bills run about $130. 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 FPL 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 FPL utility bill with Willow?

Yes. Willow covers household bills: utilities, insurance, phone, internet, and more. Upload a clear photo or PDF of your FPL 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 FPL.

View All FAQs

Willow is an independent service and is not affiliated with or endorsed by FPL.