Deferit: Pay bills in 4

Deferit: Pay bills in 4

Buy now pay later for bills

34K ratings
919 reviews
With Ads#168 in free Finance
🔧 Utilities
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • June 12, 2019
  • September 17, 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

3.0.9

September 17, 2026

This release contains performance improvements to keep everything running smoothly.

Charts

Top Free

📉 168-4

Finance

This app dropped -4 positions in Finance chart.

Last updated on September 19, 2026.

Events

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User reviews

Undecided

Sometimes they are really helpful. I get my bills paid without a problem. I paid them on time and build my Credit, but their are just sometimes when you look on your account and you see things on there that don’t belong to you ..at this moment you’re having to contact them by e-mail, speaking to different representatives never speaking to the same one… constantly reiterating and sending uploads of the problem.. arguing for 2 to 3 weeks just to get them to remove something off your account that doesn’t even belong to you… so the security of your account should be in question. on an average scale of 1 to 10, I would give them a six, because it takes Customer service too long to handle their business. The time it takes for customer service to resolve the issue you will look at your credit score and realize you’ve lost 22 points. They have already contacted the three credit bureaus and you have delinquent notices for non-payments. Maybe even the charge off… Best advice I can give is keep all your receipts of the conversations and charges because you definitely will need them.
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Disappointed

I have been trying to reach out to someone regarding a bill that was never paid however deferit is taking the money out of my account. And I still have the creditor calling me for payment . I have tried several times s to reach out to deferit and all you get is a AI robot you can not speak to anyone. Very disappointed with this service and will be cancelling not using it anymore
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Bad customer service and bad service

I’ve used deferit a couple of times with no issue. This time the bill was not paid with the company, but deferit says the bill was payed. Whichever caused my utilities to be shut off. Deferit has yet to respond to me about the issue

Trustworthy & WORTH the subscription

At first I was worried a is it legit, trustworthy, is there a huge hidden fee catch? SO GLAD I came across Deferit. After a little research thru Google Ai & reviews, I can honestly say subscribing to Deferit was the best! Thanks Deferit, for helping manage my monthly bills and relieving my stress!!
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Brilliant

I have found deferit so helpful when i need to pay a bill as it has allowed me to receive bonuses from electricity bills for paying on time and I don't get late fees. It takes the stress out of how you are going to pay a bill if you’re strapped for cash. I highly recommend deferit to anyone who wants to keep on top of bills and avoid paying late fees.
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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.