Deferit vs Split Pay

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/

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.