Deferit: Pay bills in 4

Deferit

About this app

Take control of your bill payments, finance and budget with confidence. Deferit empowers you to pay almost any service bill on your terms, with no interest. Simply upload a bill, and we pay the bill for you. You get the flexibility to pay in 4 simple installments, making split payments on bills stress-free and manageable.

Split your bill payments and stay on top of your bills by paying in 4 smaller payments, all from within one powerful app.

Split Payments and Pay in 4: Buy Now Pay Later for Bills

- Simply upload any of your bills – just take a photo, screenshot, or add a file.
- Select the amount you want to pay your biller.
- We make your bill payments upfront. Pay over time and free up your cash for what matters now.
- You pay us back with four simple payments over time. It's the smartest way to pay your bills: split payments, save money and build credit score history 1.

Save Money on Your Bills:
- Lower your bills without switching providers. We negotiate on your behalf. Works for service bills including internet, TV, and phone only.
- Our team negotiates with your provider to find you a better deal, so you pay less. Save money on service bills like monthly internet, phone, and TV bills.


Build Credit History with Every Bill Payment:
Turn the bills you already pay into a powerful financial tool. Most bills payments go unreported, but we're changing that to help you build credit score history 1.
- Simply pay your bills through the Deferit app.
- We report your on-time bill payments to the three major credit bureaus (Experian®, Equifax®, TransUnion®).
- A stronger credit history may help you pay less for future loans. It's smart bill finance in action.

Join the 190,000+ Americans who trust Deferit to manage their finances and improve their financial health by paying your bills in 4 smaller payments.

"Deferit charges a monthly membership. No lock-ins. All payments are subject to a processing fee of $0.99. Customers start with a balance of $100-$400. Balance may increase with good payment behavior. Terms and Eligibility criteria apply.

1. Actual credit score changes may vary based on various factors, including individual financial behavior and credit history. These changes may or may not be favorable.
2. Based on yearly average savings obtained for our customers."

By downloading this app, you agree to our Privacy Policy at https://deferit.com/en-us/privacy/

Ratings and reviews

UPDATE - Closing this account because of $19.99 deposit with every bill. This app is helpful but it also charges .99 every time you make a payment, which is more than double dipping. They charge you a monthly fee, a fee for paying your bills, + .99 when you make your payment. I want to pay my bill off with them but it will not allow the option to pay in full because they want that .99 per payment. It's not right to gouge people who are already struggling, otherwise we wouldn't need your service.

UPDATE: Had the request put in around 3pm, bill didn't get paid off until 5am the next day yet they paid it with a debit card. So my point again, 2 hours vs 14 hours shouldn't take that long in paying off 1 bill. Be quicker! Also to those complaining about the fees, this app should only be used for emergencies such as your phone getting turned off, your car insurance about to lapse, or like getting your lights turn off. This shouldn't be relied on so heavily. The developers got to eat too!

I couldn't do it without Deferit. Lately it's been a bit buggy when uploading your bill. I'm guessing they are using some sort of AI recognition system that scans the bill, and it "can't see" some important information that's clearly on the bill and "can't see" who the bill is from that's clearly on the header of the bill with the logo but if you're patient enough and keep trying it will eventually work. Been a user for about 4 years now and have established a large line of credit.

What’s new

This release contains performance improvements to keep everything running smoothly.