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Deferit: Pay bills in 4

Deferit: Pay bills in 4

Buy now pay later for bills

31K ratings
853 reviews
With Ads#109 in free Finance
🔧 Utilities
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • October 28, 2021
  • July 31, 2026

Features

Developer

deferit Pty Ltd
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📉no. 109
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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

Summarized from real user reviews of Deferit. Based on 31K reviews and a 4.8/5 average, it highlights the 6 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 💳Helpful for paying bills in installments
  • ⏱️Fast bill payment processing
  • 📆Ability to change payment due dates
  • 🤝Friendly and responsive customer service
  • 🧭Convenient all-in-one bill management
  • 🆙Increasing credit limits over time

Negative things

  • 🕰️Delayed bill payments due to high volume
  • 🤖Lack of phone/live chat support
  • 💰Subscription fees and processing fees
  • 🚫Issues with canceling or stopping payments
  • 🤔Unclear payment methods (online vs. check)
See all reviews

What's New in Deferit

3.0.5

July 31, 2026

This release contains performance improvements to keep everything running smoothly.

Charts

Top Free

📉 109-4

Finance

This app dropped -4 positions in Finance chart.

Last updated on August 8, 2026.

Events

Read more about Monthly Bill Relief
Event EndedSpecial Event

Monthly Bill Relief

Financial relief for your monthly bills.

Jul 16, 2026 — Jul 31, 2026

Read More

Read more about Bill Payment Reward
Event EndedSpecial Event

Bill Payment Reward

Get support for your monthly expenses.

May 5, 2026 — May 31, 2026

Read More

Read more about Spring Financial Reward
Event EndedSpecial Event

Spring Financial Reward

Grow your budget with a member cash benefit.

Mar 5, 2026 — Apr 1, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Virtual card

I was issued a virtual card. It’s not working online or at gas stations. I contact the customer service, 8 hours ago and still haven’t heard anything back from them. This ridiculous!
LavodraLavodra

Bad experience

Customer support is virtually non existent. Been trying to use the app for 3 days now with no help from customer service because of an issue on their end. Don’t even waste your time with this app
KingwokeKingwoke

Lie and more lies

It’s a joke !
Whybother55Whybother55

Listen!! This site works

Deferit has came through for me in ways I needed Truly‼️ I just want to say thank you Deferit because it’s HARDD out here for EVERYBODY…!
DollydadonDollydadon

Hello

So I made an account they was like we gonna charge you 1.99 so u can see what you qualify for then after they charge me that they charge me 13.99 so I made report for a refund all of a sudden I can’t login to my account so I try resetting the password now they saying wrong password
Legend killer Randy ortonLegend killer Randy orton
See 848 more reviews

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.