1. Home
  2. 💰 Finance
  3. Deferit
Deferit: Pay bills in 4

Deferit: Pay bills in 4

Take control of your bills

37K ratings
984 reviews
With Ads#173 in free Finance
🔧 Utilities
💰 Finance
Free
With Ads

Details

Released
June 12, 2019
Updated
October 30, 2026

Features

Developer

deferit Pty Ltd
✨Promote your app ✨
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
📉no. 173
Charts↘︎
📌Ready
Reviews summary↘︎
⭐984
Reviews↘︎
📝40+ tags
Tags↘︎
🔄6+ apps
Alternatives↘︎
🎪3 happening
Events↘︎
❓8 answered
FAQ↘︎
📦~ in 1 week
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

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
Show original description

What users say about Deferit

Reviews of Deferit are mostly positive: the Finance app is rated 4.8/5 from 37K App Store ratings. What users like most: helpful for paying bills in installments, fast bill payment processing. Top complaints: delayed bill payments due to high volume, lack of phone/live chat support. Summarized from real user reviews.

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
+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

📉 173-5

Finance

This app dropped -5 positions in Finance chart.

Last updated on October 31, 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

Good

Very easy and good service
IIalioua

Excellent

The App is user friendly, very easy to use , so convenient and the thing I like the most is you can adjust and change the payment dates, it’s a great and awesome way to pay a bill when you don’t have all the money up front, I love it!!!
Bbagod49

Blessings

Im so grateful for your app because it has helped me out of some really hard times regarding my finances so thank you
LPlencie pooh

Overcharge

You shouldn’t charge so much just to have a bill split into four. It defeats the purpose
KKardi’s

On it!!!

I was lock out of my account and you guys are on the job thank you…
Llalanovea
See 979 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

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.