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bills.com website review
Visit site (opens in a new tab)Reviewed 23 October 202617 issues · 95 checks
This review found 17 issues worth fixing on bills.com, 3 of them high impact, across 95 checks. The most urgent: use efficient cache lifetimes. Your full playbook turns these into prioritised fixes alongside reviews, competitors and channels.
- Homepage
- Phone render
- Links and pages
- Google PageSpeed
Google PageSpeed Insights (opens in a new tab), mobile
Site score
90AClosest competitors among reviewed websites
Compare side by sideShow as table
| Date | Real-visitor load time (LCP) |
|---|---|
| May 2, 2026 | 1.4 s |
| May 9, 2026 | 1.4 s |
| May 16, 2026 | 1.4 s |
| May 23, 2026 | 1.4 s |
| May 30, 2026 | 1.4 s |
| Jun 6, 2026 | 1.3 s |
| Jun 13, 2026 | 1.3 s |
| Jun 20, 2026 | 1.4 s |
| Jun 27, 2026 | 1.4 s |
| Jul 4, 2026 | 1.4 s |
| Jul 11, 2026 | 1.4 s |
| Jul 18, 2026 | 1.3 s |
| Jul 25, 2026 | 1.3 s |
| Aug 1, 2026 | 1.3 s |
| Aug 8, 2026 | 1.3 s |
| Aug 15, 2026 | 1.3 s |
| Aug 22, 2026 | 1.4 s |
| Aug 29, 2026 | 1.4 s |
| Sep 5, 2026 | 1.3 s |
| Sep 12, 2026 | 1.4 s |
| Sep 19, 2026 | 1.4 s |
| Sep 26, 2026 | 1.6 s |
| Oct 3, 2026 | 1.7 s |
| Oct 10, 2026 | 1.7 s |
| Oct 17, 2026 | 1.7 s |
Show as table
| Date | Real-visitor tap response (INP) |
|---|---|
| May 2, 2026 | 90 ms |
| May 9, 2026 | 95 ms |
| May 16, 2026 | 98 ms |
| May 23, 2026 | 104 ms |
| May 30, 2026 | 96 ms |
| Jun 6, 2026 | 94 ms |
| Jun 13, 2026 | 90 ms |
| Jun 20, 2026 | 81 ms |
| Jun 27, 2026 | 83 ms |
| Jul 4, 2026 | 79 ms |
| Jul 11, 2026 | 80 ms |
| Jul 18, 2026 | 82 ms |
| Jul 25, 2026 | 79 ms |
| Aug 1, 2026 | 77 ms |
| Aug 8, 2026 | 76 ms |
| Aug 15, 2026 | 76 ms |
| Aug 22, 2026 | 78 ms |
| Aug 29, 2026 | 79 ms |
| Sep 5, 2026 | 86 ms |
| Sep 12, 2026 | 94 ms |
| Sep 19, 2026 | 103 ms |
| Sep 26, 2026 | 110 ms |
| Oct 3, 2026 | 118 ms |
| Oct 10, 2026 | 116 ms |
| Oct 17, 2026 | 114 ms |
Chrome UX Report (opens in a new tab): real Chrome visitors over rolling 28-day periods.
One score from every part of this review. How it works
How it loaded on a phone
0.4 s
0.8 s
1.1 s
1.5 s
1.9 s
2.3 s
2.6 s
3.0 s
bills.com does not allow embedding, so this is Google's rendering of the page.
Speed
Use efficient cache lifetimes
1.1 s · 199 KiB12 files are served with short cache lifetimes, so returning visitors download them again (199 KiB).
Mobile performance score: 69
69/100Your mobile performance score is 69 (desktop: 99). Pages that score under 90 lose visitors before the first paint.
Reduce unused JavaScript
680 ms · 160 KiBAbout 160 KiB of JavaScript is downloaded but never used on this page. Google estimates it would make the page about 680 ms faster on a phone.
Render-blocking requests
450 ms2 files block the first paint until they finish downloading. Deferring or inlining them could save about 450 ms.
7 third-party services on the page
7 third-party services load with your homepage (Google Tag Manager, Facebook and Clarity and others), adding 435 KiB and 289 ms of main-thread time.
Improve image delivery
150 ms · 37 KiB2 images could be 37 KiB smaller with modern formats (WebP or AVIF) and sizes that fit a phone screen. Google estimates it would make the page about 150 ms faster on a phone.
Reduce unused CSS
150 ms · 13 KiBAbout 13 KiB of CSS is downloaded but never applied on this page. Google estimates it would make the page about 150 ms faster on a phone.
Document request latency
140 KiBThe HTML itself could arrive sooner: redirects, a slow server response or missing compression delay everything after it.
6 long tasks on the main thread
6 long tasks block the main thread while loading, the longest for 93 ms. During a long task the page ignores taps.
Legacy JavaScript
25 KiBPolyfills for old browsers add 25 KiB JavaScript that modern phones do not need.
Phones get a much slower page than desktops
Desktop scores 99 but mobile only 69. A gap that wide usually means heavy scripts and images that hit phones hardest.
2 checks passed
Main-thread work: 1.1 s
A phone's processor spends 1.1 s on main-thread work while loading, 650 ms of it running JavaScript. That is comfortably low.
Server response: 9 ms
9 msYour server sent the HTML in 9 ms, well inside Google's 600 ms guideline.
Core Web Vitals
Largest Contentful Paint: 10.2 s
10.2 sYour largest element takes 10.2 s to render on a phone. Google's threshold for “good” is 2.5 s. The largest element is the image “Smiling woman relaxing on a sofa with her hands behind her …”.
Time to Interactive: 10.2 s
10.2 sThe page becomes fully interactive after 10.2 s. Good is under 3.8 s.
Tap response (INP) got 24% slower for real visitors
+24%Over the last 25 four-week periods to 2026-10-17, real Chrome visitors' tap response (inp) went from 90 ms to 114 ms at the 75th percentile (Chrome UX Report (opens in a new tab) history).
Largest content (LCP) got 21% slower for real visitors
+21%Over the last 25 four-week periods to 2026-10-17, real Chrome visitors' largest content (lcp) went from 1.4 s to 1.7 s at the 75th percentile (Chrome UX Report (opens in a new tab) history).
Speed Index: 5.2 s
5.2 sVisually, the page fills in at 5.2 s (Speed Index). Good is under 3.4 s.
First Contentful Paint: 2.1 s
2.1 sThe first text or image appears after 2.1 s on a phone. Good is under 1.8 s.
8 checks passed
Passes Core Web Vitals for real visitors
Real Chrome users on phones pass Google's Core Web Vitals on this page (28-day field data from the Chrome UX Report (opens in a new tab)).
Real-user LCP: 2.1 s
2.1 sReal visitors wait 2.1 s for the largest content to appear (75th percentile). Good is under 2.5 s.
Real-user INP: 116 ms
116 msReal visitors wait 116 ms for the page to respond to a tap (75th percentile). Good is under 200 ms.
Real-user CLS: 0.01
0.01For real visitors the layout shifts by 0.01 (75th percentile). Good is under 0.1.
Real-user FCP: 1.7 s
1.7 sReal visitors see the first content after 1.7 s (75th percentile). Good is under 1.8 s.
Real-user TTFB: 680 ms
680 msReal visitors wait 680 ms for your server to start answering (75th percentile). Good is under 800 ms.
Total Blocking Time: 103 ms
103 msScripts block the page for only 103 ms while loading. Good is under 200 ms.
Cumulative Layout Shift: 0
0The layout barely moves while loading (CLS 0, good is under 0.1).
Images and page weight
About 0.3 g of CO₂ per visit
0.35 gBy the Sustainable Web Design model, a visit to your homepage emits about 0.35 g of CO₂e: 41.5 kg a year at 10,000 visits a month. It scales with page weight, so every byte cut lowers it.
4 checks passed
Page weight: 1.2 MB in 77 requests
1.2 MBYour homepage downloads 1.2 MB in 77 requests on a phone: scripts 667 KiB (30), HTML 212 KiB (1) and images 184 KiB (29). That is a lean page.
Images use modern formats
Every sizeable image is WebP, AVIF or SVG.
Images load when needed
Images below the first screen wait until the visitor scrolls to them.
Images are sized for phones
No image is downloaded at more than three times the size it is drawn on a phone.
Accessibility
All page content should be contained by landmarks (2 elements)
All page content should be contained by landmarks: 2 elements on the page fail this check, rated moderate by axe-core.
Alternative text of images should not be repeated as text (3 elements)
Alternative text of images should not be repeated as text: 3 elements on the page fail this check, rated minor by axe-core.
2 checks passed
Every image has alt text
All 45 images in the HTML carry an alt attribute.
48 automated accessibility rules passed
axe-core 4.13.0, the open-source engine behind most accessibility testing tools, ran 50 WCAG 2.2 A/AA and best-practice rules on the phone render: 48 passed and 2 failed. 2 mores need a person to judge. Automated rules catch about a third of accessibility problems; the rest need manual testing.
SEO
165 internal links, 9 external
The homepage links to 165 pages on bills.com and 9 external pages.
8 checks passed
Meta description: 157 characters
Your meta description is 157 characters: “Smart money products personalized for you from the brand you trust - Bills.com. Debt consolidation, mortgages, personal…”.
One H1 headline
Your main headline reads: “Find smart money products so you can move forward”.
Title: 58 characters
Your title is a healthy 58 characters: “Bills | Best deals on debt, loans, mortgages, credit cards”.
Canonical URL set
The canonical URL is https://www.bills.com/.
Structured data in place
Structured data found: Organization and WebPage.
Open Graph tags complete
Open Graph tags are complete, so shared links show a title, description and image.
robots.txt in place
robots.txt is in place and points crawlers to your sitemap.
XML sitemap found
Your XML sitemap is reachable at https://www.bills.com/sitemap-index.xml.
AI search readiness
No llms.txt
There is no /llms.txt, a short Markdown guide to your key pages for AI tools (llmstxt.org). It is optional and few AI tools read it yet, so treat it as a cheap extra.
3 checks passed
AI answer engines may read the site
Your robots.txt lets the crawlers behind ChatGPT search, Claude and Perplexity read the site and cite it in answers.
Organization data: 5 of 6 facts
Your Organization JSON-LD gives name, url, logo, sameAs (social profiles) and contact details; description would complete it.
Text is in the HTML
Your server sends the page's text in the HTML (996 words), so crawlers that don't run JavaScript still read it.
Other pages
15 internal pages checked
We fetched 15 pages linked from your homepage (of 89 found) and read each the way a search engine does.
7 checks passed
Linked pages load
All 15 pages we checked loaded without an error.
Canonical URLs point to themselves
No page we checked hands its ranking to a different URL.
Every page has a meta description
All 15 pages that loaded have a meta description.
Titles are unique
Every page we checked has its own title.
Every page has an H1
Each page we checked has a main headline.
No linked page is hidden from search
None of the pages we checked carries a noindex tag.
Every page has a title
All 15 pages that loaded have a <title>.
Best practices
3 JavaScript errors while loading
3 errors were logged to the browser console while the page loaded, for example “Connecting to 'https://b.clarity.ms/collect' violates the following Content Security Policy directive: "connect-src 'se…”.
Browser-reported issues
Chrome logged issues while loading the page (“Content security policy”).
2 checks passed
Tap targets are thumb-sized
83 of 85 tappable elements near the top are at least 24 px.
Mobile viewport set
The page declares a mobile viewport.
Security and trust
No Referrer-Policy
No Referrer-Policy header, so full URLs can leak to the sites you link to.
No security.txt
There is no /.well-known/security.txt telling researchers how to report a security problem to you.
8 checks passed
Served over HTTPS
The homepage is served over HTTPS (bills.com).
Valid certificate (51 days left)
The certificate from Google Trust Services · WE1 verifies for bills.com and is valid for another 51 days.
Protected from clickjacking
X-Frame-Options or a frame-ancestors policy stops other sites framing yours.
Content-Security-Policy set
A Content-Security-Policy is set, the main browser-side defence against injected scripts.
HSTS enabled
Strict-Transport-Security is set, so browsers always use https.
http:// redirects to https
http://bills.com redirects to the secure version.
HTTP/2
The server speaks HTTP/2, so browsers load many files over one connection.
All 49 links work
All 49 links checked from your homepage (40 internal, 9 external) answered without errors.
Domain and trust
No CAA record
bills.com has no CAA record, so any certificate authority may issue a certificate for it. A CAA record naming your provider (for example letsencrypt.org) closes that door.
DNSSEC is off
bills.com's DNS answers are not signed. DNSSEC stops attackers forging them to send visitors or email elsewhere; most registrars switch it on in a click, though most sites still run without it.
2 checks passed
Domain is 29 years old
29 yearsbills.com was registered in Jul 1997 through GoDaddy Corporate Domains, LLC. An established domain carries more trust with email providers and search engines.
Registered until Jul 2027
bills.com is registered until Jul 2027.
Content and conversion
Local business without LocalBusiness data
Your homepage shows a street address but no LocalBusiness JSON-LD, so Google and AI assistants have to guess your address, hours and phone from the page text.
No analytics detected
No analytics or tag manager detected in the HTML, so you can't measure whether any of these fixes work.
No direct contact details
No phone number or email link on the homepage, so ready-to-buy visitors have one fewer way to reach you.
No opening hours
The homepage shows no opening hours. If customers visit or call, show when.
No form on the homepage
There is no form on the homepage, so every lead has to click through to another page first.
No map or directions link
There is no link to Google or Apple Maps. A directions link is one tap for a phone visitor.
No risk reducer
No guarantee or risk reducer (money-back, free trial, no credit card) is mentioned, which is often what tips a hesitant visitor.
About 737 words of copy
The homepage carries about 737 words of visible text.
4 checks passed
Clear next step on the first screen
On a phone, the first screen shows a clear next step: “Contact us”.
5 calls to action
The homepage has 5 calls to action, for example “Contact us”, “How to Get a Small Personal Loan” and “Get your rate”.
Social proof on the page
Social proof on the homepage: a star rating, 4 trust badges and “11,263+ reviews”.
Phone number on the homepage
Your phone number is on the homepage.
Email authentication
Email authentication score: 95/100
Email authentication: SPF record 25 points, plus 15 when it ends in -all (10 for ~all); DMARC record 25, plus 25 for a reject policy (15 for quarantine); a DKIM key on a common selector 10.
3 checks passed
DMARC policy: reject
DMARC tells receivers to reject mail that fails authentication, and sends you reports.
SPF in place (~all)
An SPF record lists your sending servers and marks other mail as suspicious (~all): “v=spf1 include:%{ir}.%{v}.%{d}.spf.has.pphosted.com ~all”.
DKIM signing found
A DKIM key is published (selector “selector1”, “selector2” and “s1”), so receivers can verify mail really came from you.
Privacy and tracking
5 trackers load before any consent
5Before a visitor clicks anything, the page loads Google Ads, Google Analytics, Google Tag Manager, Meta Pixel and Microsoft Clarity (measured from a US location before any click). No consent tool was detected. Visitors from the EU, UK and several US states must be asked first.
10 cookies set on arrival
10Opening the homepage sets 10 cookies (measured from a US location before any click).
No consent tool detected
No known cookie consent tool loads with the page. Some sites build their own banner, and some only show one to visitors from the EU.
11 other companies contacted
Loading the homepage contacts 11 hosts run by other companies (fonts, scripts, analytics, ads), each of which sees the visitor's IP address.
Upkeep, stack and company
No signs of neglect in what was checked: the copyright year, CMS and plugin versions, and jQuery.
Stack
- Framework
- Next.js
Upkeep, stack, hiring and company data from programmable.info
Go beyond the website
What your $25 Growth Playbook adds
This free review found 17 issues on bills.com, including 10 speed issues and 3 conversion gaps. That is the website alone. The full Growth Playbook pairs these findings with what your customers say in public reviews and communities and what your closest competitors do better, then turns everything into at least 20 prioritised ideas, each with the evidence behind it, a step-by-step playbook, a metric and an owner.
- 28 research agents read your site, reviews, competitors, communities and public filings
- Customer review mining (G2, Capterra, Trustpilot and more) and voice-of-pain analysis in your buyers’ own words
- Competitor intelligence with battlecards for your closest rivals
- Ideal customer profile, buyer segments and buying-stage funnel
- Ranked channels, outreach sequences and content angles
- Live Reddit threads where buyers ask for what you sell, with draft replies
- Earned media and PR openings
- At least 20 ideas with evidence, a step-by-step playbook, metric, owner, effort and impact, grouped into this week, this quarter, big bets and wildcards, plus a 30/60/90-day roadmap
- PDF, Markdown, CSV, Notion and Linear exports, and a shareable page your team can track progress on
- Refresh the playbook later to see what changed
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