Deferit: Pay bills in 4

9.73K reviews
Content rating
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About this app

Budget and pay any bill with no interest or late fees. Simply upload a bill, choose how much to pay, and we pay it for you. You pay over time in 4 simple installments!

Move payments and stay on top of your bills all from within the app.

Split bills in 4:
- Simply take a photo, screenshot or add a file.
- Select the amount to pay your biller.
- We pay them the full amount upfront
- You pay back over time in installments!

Save money on your bills:
- Pay less for the same service across internet, phone, TV and more.
- Our team of account experts negotiate with your biller.
- If we can't save you money you don't pay anything.

Build your credit history with any bill payment:
- Most bill payments go unreported, we've changed that.
- Pay any bill as you normally would through the Deferit app.
- We report the payment to the three major credit bureaus.
- Building credit history can attract lower rates on loans and more.

Get started today and join a community of over 500,000 Americans using Deferit to take power over their bills.

The Deferit “Split bills in 4” feature is available in all states except for Delaware, Idaho, Indiana, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Rhode Island, South Dakota, Washington and Wisconsin. Split bills in 4 is subject to eligibility and a down payment may be required. The Credit Builder feature, Bill Savings and our bill management platform are available in all states.

Deferit charges a monthly membership fee of $14.99. No lock-ins. All card payments are subject to a processing fee of $0.99.
Updated on
Feb 19, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
App info and performance and Device or other IDs
This app may collect these data types
Personal info, Financial info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

9.33K reviews
Xaviera Green
February 20, 2024
Absolutely love this app it has came in so handy when I've needed it. You literally upload a bill make a payment either suggested or a higher amount and they see to it your bill is paid in a timely manner and you make your weekly/bi weekly payments and poof the bill is no longer a issue you also have a option to pay the bill in full through the app which helps build your credit. Ive only noticed one con but I took it as an extra security measure the app couldn't authenticate my phone.
1 person found this review helpful
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February 20, 2024
This might be caused by an intermittent inability (internet connection) to contact Google’s reCAPTCHA servers. This is enabled to provide another layer of security for your account. Kindly send us a selfie photo with your valid ID at with subject line "Attention Review" and we will unlock the feature from your account.
Deirdre Thomas
January 6, 2024
The app has been really helpful in getting my bills paid in full and on time until now. I really need a bill paid, but the app won't let me log in. It keeps saying it's unable to verify my device and to contact support if the issue persists. Well, I did and I got an automated response saying there's a delay due to volume of requests and the wait time is 5-7 business days. My bill is due today so whatever is going on couldn't have happened at a worse time.
114 people found this review helpful
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April 20, 2022
Hi Deirdre! Thank you for your amazing review! We are so glad we could help :)
Jay Sanchez
December 21, 2023
I did not complete the sign up, however, two or 3 weeks after downloading the app (and not going through the membership process) I get a charge for $14.99 (today) for the month and will charge me again on December 29th (a week and 2 days after the initial charge). I clicked the Help Center tab on the app, but it doesn't open. I kept the app on my phone just in case I decided to initiate a membership with them, but now it's won't ever happen. Do not recommend it.
39 people found this review helpful
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December 22, 2023
Hi Jay, Oh no, let's get this sorted out for you! Would you mind shooting us an email at with the subject "Attention Review"? We're eager to assist you and make things right with your Deferit experience. Thanks, and looking forward to resolving this together!

What's new

This release contains performance improvements to keep everything running smoothly.