# Deferit: Pay bills in 4 — Buy now pay later for bills

> Pay bills in installments, save money, and build credit history. (iPhone/iPad app by deferit Pty Ltd.)

- Source: https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561 (this page in markdown: same URL + `.md`)
- Developer: [deferit Pty Ltd](https://appshunter.io/developer/1454473560)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.80/5 from 32,229 App Store ratings · 889 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 51 MB
- Languages: American English
- Released: 2019-06-12
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561/reviews.md

## What is Deferit?

Take control of your bill 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 smaller installments. This makes split payments on bills stress-free and manageable.

Move payments and stay on top of your bills, all from within one powerful app.

Split Payments: Pay in 4
- 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 pay them the full amount upfront
- You pay us back with four simple payments over time. It's the smartest way to pay!

Save Money on Your Bills:
- You could be paying more than you need to. Save money on bills like internet, phone, TV, and more.
- Our expert team negotiates with your provider on your behalf to find you a better deal so you pay less.

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.
- Simply pay your bills through the Deferit app.
- We report your on-time payments to the three major credit bureaus (Experian®, Equifax®, TransUnion®).
- A stronger credit history can 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.

*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/

## Key features

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

## Chart rankings

- #169 in Top Free · Finance (US App Store)

## What do users think of Deferit?

Overall sentiment: positive

**Pros**

- 💳 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

**Cons**

- 🕰️ 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)

**Commonly reported bugs**

- App crashes or freezes on some devices
- Inconsistent payment processing times

**Most requested features**

- Expand payment options beyond utilities
- Provide virtual card for online bill payments
- Improve communication on payment status

## Recent user reviews (10 of 889)

All indexed reviews: https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561/reviews.md

### 1/5 — Virtual card

*2026-08-25, version 3.0.6*

It’s so hard for me to find my virtual card after I signed up and placed the fee and my phone bill was do.

### 5/5 — greatest

*2026-08-24, version 3.0.6*

one of the best things to happen

### 1/5 — Scam

*2026-08-23, version 3.0.6*

Scam app downloaded it paid membership was approved for 400 tried to pay my spectrum bill for 250 said bill type not accepted then tried national grid bill said wasn’t accepted. Can’t get anyone to talk to beside an ai bot

### 5/5 — Helpful

*2026-08-23, version 3.0.6*

Very helpful when I need help paying my light bill

### 5/5 — Great thank you

*2026-08-23, version 3.0.6*

Thank you great help

### 5/5 — Billing Service

*2026-08-23, version 3.0.6*

Made Easy!

### 1/5 — Not in California

*2026-08-21, version 3.0.6*

Should have put up in the description you’re not in California. What a waste to download and give you my data and have to ask to delete the account.

### 2/5 — Not transparent

*2026-08-21, version 3.0.6*

You are basically set up to fail

### 1/5 — absolute scam

*2026-08-21, version 3.0.6*

i did not use any of my available credit, they charged me something random, and i had to open like 6 tickets to ask them to refund my membership fee and they have refused

### 5/5 — Good to manage a bill

*2026-08-21, version 3.0.6*

Help build your credit

## Frequently asked questions about Deferit

### 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.

## Version history (last 5 releases)

### 3.0.7 — 2026-08-26

This release contains performance improvements to keep everything running smoothly.

### 3.0.6 — 2026-08-11

This release contains performance improvements to keep everything running smoothly.

### 3.0.5 — 2026-07-31

This release contains performance improvements to keep everything running smoothly.

### 3.0.4 — 2026-07-26

This release contains performance improvements to keep everything running smoothly.

### 3.0.3 — 2026-07-16

This release contains performance improvements to keep everything running smoothly.

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## Related topics

[bill pay help](https://appshunter.io/ios/topics/bill-pay-help) · [bill pay track](https://appshunter.io/ios/topics/bill-pay-track) · [deferit](https://appshunter.io/ios/topics/deferit) · [deferred](https://appshunter.io/ios/topics/deferred) · [mypay bill](https://appshunter.io/ios/topics/mypay-bill) · [split bill pay](https://appshunter.io/ios/topics/split-bill-pay) · [utility bills](https://appshunter.io/ios/topics/utility-bills) · [pay bills easily with grey app](https://appshunter.io/ios/topics/pay-bills-easily-with-grey-app) · [deferit usa](https://appshunter.io/ios/topics/deferit-usa) · [defer bills](https://appshunter.io/ios/topics/defer-bills) · [pay in four bills](https://appshunter.io/ios/topics/pay-in-four-bills) · [bill paying app](https://appshunter.io/ios/topics/bill-paying-app) · [split bills](https://appshunter.io/ios/topics/split-bills) · [utility bill](https://appshunter.io/ios/topics/utility-bill) · [pay bills](https://appshunter.io/ios/topics/pay-bills) · [bill pay installment](https://appshunter.io/ios/topics/bill-pay-installment) · [bill pay payment](https://appshunter.io/ios/topics/bill-pay-payment) · [pay bills through bill pay service](https://appshunter.io/ios/topics/pay-bills-through-bill-pay-service) · [help pay bills](https://appshunter.io/ios/topics/help-pay-bills) · [utility billing services payment app](https://appshunter.io/ios/topics/utility-billing-services-payment-app)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*