Deferit: Pay bills in 4

Deferit: Pay bills in 4

Save & build credit history

30K ratings
779 reviews
With Ads#157 in free Finance
🔧 Utilities
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • October 28, 2021
  • July 16, 2026

Features

Deferit: Pay bills in 4 screenshot #1 for iPhone
Deferit: Pay bills in 4 screenshot #2 for iPhone
Deferit: Pay bills in 4 screenshot #3 for iPhone
Deferit: Pay bills in 4 screenshot #4 for iPhone
Deferit: Pay bills in 4 screenshot #5 for iPhone
Deferit: Pay bills in 4 screenshot #6 for iPhone
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About

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Pay bills in 4 installments
Negotiate lower bill rates
Build credit history
Upload bills via photo or file
Monthly membership
No interest on installments
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What users say

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+1

What's New in Deferit

3.0.3

July 16, 2026

This release contains performance improvements to keep everything running smoothly.

Charts

Top Free

📈 157+1

Finance

This app rose +1 position in Finance chart.

Last updated on July 19, 2026.

Events

Read more about Monthly Bill Relief

Monthly Bill Relief

Financial relief for your monthly bills.

Jul 16, 2026 Jul 31, 2026

Read more about Bill Payment Reward

Bill Payment Reward

Get support for your monthly expenses.

May 5, 2026 May 31, 2026

Read more about Spring Financial Reward

Spring Financial Reward

Grow your budget with a member cash benefit.

Mar 5, 2026 Apr 1, 2026

User reviews

New update, layout of app

Don’t like the new layout. I liked the old way. The new way is annoying to use and navigate.

Scam

Will take your money and never make a payment to the biller. And whoever you get in touch with for assistance or complaint (names on the email appeared to be African) try to act concerned but in on the the scam as well.

Easy to use

So convenient!

Untimely Payments

This company was so helpful during my time between jobs being able to spread out bills so that I could budget across smaller weekly payments. However, over time I have noticed they are slower and slower to make the payments but will take the money out of my account immediately. I’ve waited 48 hours at some times and more recently 24 has become a common wait period. While the site does say it can take up to one day. It used to state of your payment was earlier in the day then the payment would be make within 4-6 hours. NOT EVEN CLOSE. If you’re in a crunch with a deadline, know that timeliness is not something you’re going to receive here. Everything else about deferit is helpful unless you’re in a time crunch.
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5⭐️s

They have great customer service support

User experience

🐞

Reported Bugs

2 issues

App crashes or freezes on some devices

Bug

Inconsistent payment processing times

Bug

Requested Features

3 requests

Expand payment options beyond utilities

Feature

Provide virtual card for online bill payments

Feature

Improve communication on payment status

Feature

FAQ

What does Deferit do?

Deferit allows you to pay almost any service bill on your terms by splitting the payment into four smaller installments. It also helps users save money by negotiating better deals with service providers and builds credit history by reporting on-time payments to major credit bureaus.

How does Deferit help me save money?

The app features an expert team that negotiates with your service providers on your behalf to find you better deals, potentially lowering your monthly bills for services like internet, phone, and TV.

How does Deferit help build credit history?

By paying your bills through the Deferit app, your on-time payments are reported to the three major credit bureaus (Experian, Equifax, and TransUnion). This can help strengthen your credit history, which may lead to better loan terms in the future.

What is the cost of using Deferit?

Deferit charges a monthly membership fee. There are no lock-ins. Additionally, all payments are subject to a processing fee of $0.99. Customers begin with a balance between $100-$400, which can increase with good payment behavior.

Who is Deferit for?

This app is designed for Americans who want to take control of their bill finances, budget more effectively, save money on recurring services, and actively build a positive credit history through their regular bill payments.