Deferit: Pay bills in 4

Deferit: Pay bills in 4

Take control of your bills

37K ratings
998 reviews
With Ads#164 in free Finance
🔧 Utilities
💰 Finance
Free
With Ads

Details

Released
June 12, 2019
Updated
October 30, 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. Upload any service bill and pay it in four smaller, manageable installments. The app also helps negotiate your bills and can report eligible on-time payments to credit bureaus to build your credit history.

✓Pay bills in 4 installments
✓Upload bills via photo, screenshot, or file
✓Negotiate bill amounts
✓Build credit history with eligible payments
✓Supports over 20,000 billers
✓Manage bills from one app
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What users say about Deferit

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+1

What's New in Deferit

3.0.13

October 30, 2026

This release contains performance improvements to keep everything running smoothly.

Charts

Top Free

📉 164-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on November 6, 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

They aight wit me

Kinda over price but comes through every time even though my limit hasn’t went up yet I’m three months in its cool

Great when everything works, really bad when it doesn’t

Deferit can be a great app, when it works properly. But when things don’t go to plan, it’s absolutely woeful. Bills sometimes get stuck in a “processing” loop even after money is deducted from the account, and the customer service is absolutely impossible to get a hold of. They don’t answer messages or emails, and there is no phone line. As a result, stuck essentially double paying bills by having to pay myself to ensure they’re paid on time, while money is still held up by deferit. Tread with caution.
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Use another platform

so I tried to use this to pay my cell phone, which was $425.45 initially when I showed them the bill they said it was gonna be $150 plus the subscription but after I subscribed, it ended up being $290 and then after that, it was going to be $50 every week in my personal opinion this is bad business practice. You should show how much it actually should be Before signing up for the subscription other platforms do it don’t know why this one doesn’t. now I have to fight with customer service to get my membership subscription money back.
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Deferit

Great company!

Customer service

Chatting with the help desk and not speaking to a live person when in need is very frustrating. $400 was taken out of my account when only $100 should have been withdrawn, and then I make 4 installments.

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

How does Deferit help me pay my bills?

Deferit allows you to upload almost any service bill. Once uploaded, Deferit pays the biller the full amount, and you pay Deferit back in four smaller payments, spread out every two weeks. This makes managing your bills more flexible and less burdensome.

Can Deferit help me save money on my bills?

Yes, Deferit offers a bill negotiation service. Their expert team can negotiate with providers for services like internet, phone, and TV on your behalf to potentially lower your monthly bills. A negotiation fee applies to the savings achieved.

Does Deferit help build my credit history?

Deferit can help build your credit history by reporting eligible on-time payments to the three major credit bureaus (Experian, Equifax, TransUnion). This can be a powerful financial tool, as most bill payments go unreported.

What are the costs associated with using Deferit?

Deferit has a membership fee ranging from $14.99 to $24.99 per month, which renews monthly until canceled. There is also a $1.99 application fee, and processing fees apply. Some customers may also be subject to a security deposit.

What is the typical starting credit limit with Deferit?

New customers typically start with Pay in 4 limits between $100 and $500, with an average of $200. Available balances can vary by customer, and increases are not guaranteed.

Does Deferit have ads?

Yes, Deferit contains advertisements. As a free app, it utilizes ads to support its services.

What devices does Deferit support?

Deferit is available on iPhone and iPod devices. The app is rated for ages 4 and up.

How often is Deferit updated?

The latest version of Deferit is 3.0.13, and it was last updated on October 30, 2026. This indicates a consistent update schedule for the application.