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.

WillowPays is an independent company, not FPL. We aren't affiliated with or endorsed by FPL. You can also pay FPL directly at fpl.com (opens in a new tab). Paying a biller directly may be free.

No Credit Check
One-Time Service Fee
Approval in About 1 Business Day
Start with My Bill

Available across the US, except California.

See How It Works

Fair, One-Time Fees. No Interest.

Enter your FPL bill amount to see your payment plan.

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

Available across the US, except California.

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 WillowPays split my FPL utility bill?

Yes. WillowPays 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. WillowPays is an independent company, not FPL. We aren't affiliated with or endorsed by FPL. You can also pay FPL directly at fpl.com. Paying a biller directly may be free.

View All FAQs