Deferit: Pay bills in 4

Deferit: Pay bills in 4

Save & build credit history

30K ratings
784 reviews
With Ads#156 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
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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

See all reviews
+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

📉 156-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on July 21, 2026.

Events

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Monthly Bill Relief

Financial relief for your monthly bills.

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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

Great app

This has been a life saver for me

the worst

take your membership fee before telling you it’s unavailable in your area then you ask for refund ( that should have been already given) and no one handles the request

There when needed

So easy to set up, definitely recommend to use when needed.

Scam

You can't even see what the app is all about until you pay the membership. Paid the membership almost every one of my bills aren't covered by the app. So same day tried to cancel and no refunds not even an hour after paying it and trying to cancel

Ruined my credit

Horrible company can’t contact no phone!Tried too pay weird company sold me too a debt collector. They won’t send me a bill.

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.