Deferit vs Split Pay

Budget and pay bills in 4 smaller payments. Simply upload your bill and we take care of the rest. Take control of your bills and budget with confidence. Deferit empowers you to pay almost any service bill on your terms⁴. Simply upload a bill, and we pay the bill for you. You get the flexibility to pay in 4 smaller payments, so your bills feel more manageable. Move payments and stay on top of your bills, all from within one powerful app. Split Payments and Pay Your Bills in 4¹ - Simply upload your bill. Just take a photo, screenshot, or add a file. - Select the amount you want to pay your biller. - We pay your biller the full amount. - You pay us back in four smaller payments over time. Negotiate Your Bills² - You could be paying more than you need to. We negotiate bills like internet, phone and TV. - Our expert team negotiates with your provider on your behalf to try to lower bills like internet, phone and TV. Build Credit History with Eligible Bill Payments³ - Turn the bills you already pay into a powerful financial tool. Most bill payments go unreported, but we're changing that. - Pay eligible bills through the Deferit app. - We report your eligible 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. Works for almost any bill - over 20,000 billers paid by Deferit⁴ ¹ Membership $14.99–$24.99/month; renews monthly until cancelled. $2.99 application fee, even if declined. $0.99 processing fee per payment, including membership. First payment may be required upfront. Some customers may be subject to a security deposit, confirmed after application. Subject to approval; selected states. Terms apply. Amounts shown cover the bill only. Membership, application and processing fees are additional. A security deposit may also apply to Pay in 4. New customers: Pay in 4 starting limits $100–$500 (avg. $200). Averages based on the last 12 months. Available balances vary by customer. Approval and balance increases are not guaranteed. ² Membership required. A negotiation fee equal to 50% of the savings we achieve for you over a 12 month period applies. Savings not guaranteed. ³ Building credit history does not guarantee a higher credit score. Your score may go up or down. Actual credit score improvement may vary based on various factors, including individual financial behavior and credit history. ⁴ Eligibility criteria applies. Installment payments are unavailable for credit, loan, retail purchases or other similar payments. By downloading this app, you agree to our Privacy Policy at https://deferit.com/en-us/privacy/

Split Pay turns your biggest bills into two smaller payments, timed to your paychecks. Same total, smarter timing. There's no credit check, and it works with any landlord or lender. Less pressure. More room to breathe. Split rent, mortgage, or car payments to fit your paycheck rhythm, not the other way around. Your landlord or lender gets paid in full on day one. Download Split Pay to put rent, mortgage, and car payments on your own schedule. SPLIT PAY APP FEATURES: WHY 200,000+ HOUSEHOLDS CHOOSE SPLIT PAY: One bill, two payments, smarter timing. Works with any landlord, lender, or servicer. No building integration, no virtual cards, no workarounds. No established credit history? You can still apply. Eligibility is based on factors such as income and cash flow, not your credit score. Split Pay's dedicated support team gives you access to real humans when you need them, not just a chatbot. Build credit history with reported rent payments. PAY BILLS IN TWO PAYMENTS Choose a bill to split into two: rent, mortgage, or your car payment. Apply in minutes, no credit check. Once you're approved, you'll receive virtual account and routing numbers to add to your payment portal, just like a bank account. Your landlord, lender, or servicer gets paid in full and on the due date. You pay in two smaller parts. That's it. You get more room to breathe every month. WHAT BILLS CAN I SPLIT? Pay rent Pay your mortgage Pay car payments Pay other bills coming soon SIMPLE, TRANSPARENT PRICING Split Pay costs $9.99/month plus 1.5% transaction fee on the amount you split. That's it. The fee is the same no matter how your bill is split. Income arrives on a schedule. Bills don't. Banks move money. Split Pay moves timing. Download Split Pay to put rent, mortgage, and car payments on your own schedule. Split Pay is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Members FDIC.