Petrol today.
Rent tomorrow.
Payday next week.
Billie can help now.
Instant cash. No interest. No credit check. No forms. Just a flat 5% fee.
How Billie works
If you're a bit short of cash this week, Billie can help.
Billie lets you access money you've already earned before your next payday.
Five minutes from first message to money in your account. That's it.
Chat with Billie
Tell us how much you need. No forms. No uploads. Just a quick chat.
Quick check
We check your eligibility instantly. No credit check. No footprint on your credit file.
Approved
Most people are approved in minutes. We'll tell you exactly what you'll pay back.
Money in your account
Funds hit your account fast. Get back to earning.
How much does it cost?
A flat 5% fee. No interest. No hidden charges. Ever.
Need $200 for petrol? You pay back $210.
Need $500 for rego? You pay back $525.
No interest charges.
Just one flat 5% fee. That's it.
Built for the way you actually work
No salary? No regular payday? No problem!
Made for gig workers
No employer? No regular payslip? No worries! Billie is built for the way you earn money.
0% interest
One flat 5% fee. No interest. No compounding. No nasty surprises. Just the number we tell you upfront.
Fast
From chat to cash in minutes. So you can get back to earning.
Secure
Your data is safeguarded with the latest security controls
Got questions?
Billie is for gig workers across Australia — Uber drivers, Uber Eats couriers, DoorDash riders, and other platform workers. If you earn income through gig platforms and sometimes need cash before your next payout, Billie is built for you. You don't need a regular employer or a traditional payslip.
The most you can borrow at any one time with Billie is $1,000. We set limits to help you borrow what you need and can comfortably repay. New customers can borrow up to $200 for their first loan so you can get a feel for Billie and we can keep things safe and sustainable. After you repay your first loan, your limit can increase based on your earnings and repayment history.
It's a flat, one-time charge on the amount you borrow. That's it. No interest. No compounding. No hidden charges. If you borrow $200, the fee is $10. You pay back $210. Nothing else is ever added.
Chat with Billie, confirm a few details, and securely connect your bank account so we can check affordability. If you're eligible, you can get approved in minutes and borrow up to $1,000.
Once approved, funds are typically in your account within minutes. Fast enough to fill up before your next shift.
Repayments are timed to match your gig income — not a fixed fortnightly cycle that doesn't suit how you earn. We'll work out a repayment schedule that fits your actual payout pattern.
No. We don't run a credit check or leave any mark on your credit file. We look at affordability — what you earn and what you can comfortably repay. Your past credit history doesn't affect your eligibility.
Not at all. Lots of Billie users earn across two or three platforms — Uber, DoorDash, Deliveroo, or others. We look at your total income picture, not just one source.
Billie assesses eligibility based on your income and ability to repay — not your visa type. If you're earning regular gig income in Australia, we encourage you to apply and we'll let you know what you're eligible for.
Life happens. If you're having trouble repaying, contact us before you miss a payment. We have a hardship process and we'd rather work something out with you than let the problem grow. See our Hardship page for details.
Resources for gig workers
Practical guides for earning, saving, and staying on top of your money.
Is your gig income actually profitable?
Fuel, depreciation, platform fees. Here's how to work out what you're really earning per hour.
Managing money with no regular payday
Gig income is lumpy. Here's a simple system for smoothing it out.
Tax deductions for gig workers in Australia
What you can claim, what the ATO wants, and why your app's summary is probably wrong.
The car fund that saves your week
Tyres, rego, servicing — a simple way to stop big bills wiping out a good month.
What gig workers are saying
"My rego was due and I had $40 in my account. Billie sorted me out in ten minutes. I was back on the road the same afternoon."
[Name]
Uber Eats driver, Melbourne
"I work three platforms and my pay comes in at different times. Billie is the only thing that actually gets how that works."
[Name]
DoorDash & Uber driver, Sydney
"No credit check, no judgment. I've used it twice now and both times it was exactly what they said. 5% fee, money in minutes, done."
[Name]
DoorDash rider, Brisbane
Get in touch
Questions? We're here.
[contact email to be added]
Phone
[phone number to be added]
Where we operate
Billie is available to gig workers across Australia.