# Deferit vs Split Pay

The clearest difference is ads: Split Pay at none against Deferit's shown. Split Pay also leads on monetization model (free vs free with in-app purchases) and review sentiment (73% vs 61%). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for Deferit against 4.9 for Split Pay. Both are backed by a comparable volume of ratings — 34K and 16K respectively. Written reviews are what separate them: 61% of Deferit's written reviews are positive against 73% of Split Pay's.

Both ship on a similar rhythm, roughly fortnightly. Both last shipped on September 26, 2026.

## The numbers

| Metric | Deferit | Split Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (34K ratings)](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561/reviews) | **[4.9 (16K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** |
| Number of ratings | **34K** | 16K |
| Positive reviews | 61.1% of reviews | **72.6% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | #166 | **#81** |
| Size | 51 MB | 70 MB |
| Requires iOS | **15.0** | 16.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [deferit Pty Ltd](https://appshunter.io/developer/1454473560) | [Visible Ideas](https://appshunter.io/developer/1685211689) |

## What reviewers say

### Deferit

[App page](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561)

**Currently charting:** #166 Top Free · Finance (US App Store)

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.

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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💳 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

**What reviewers complain about**

- 🕰️ 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)

**Reported bugs**

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

**Requested features**

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


### Split Pay

[App page](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850)

**Currently charting:** #81 Top Free · Finance (US App Store)

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

**Highlights:** Split rent into two payments, Build credit history, Improve budgeting, Works with all payment systems, Autopay functionality, Free credit reporting option

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Great service with team members that go above and beyond
- 👍 Easy to use and intuitive
- 💡 Helpful split pay feature
- 🚀 Smooth and seamless process
- 👍 Convenient for budgeting and managing rent payments

**What reviewers complain about**

- 🐛 Delayed rent payments to landlord
- 🐛 Accounts suspended with no explanation
- 🐛 Difficult to get approved for split pay
- 🐛 App crashes and freezes
- 🐛 Lack of integration with property management portals

**Reported bugs**

- Login screen freezes
- Incompatibility with certain bank accounts
- Payments not showing up in app after being processed

**Requested features**

- Ability to change payment dates after initial setup
- Option to adjust second split pay date within 30-day period
- Integration with property management payment portals
- Clearer communication on approval process and reasons for account suspension


## Frequently asked questions

### Is Deferit free?

Deferit is free to download, with no in-app purchases.

### Is Split Pay free?

Split Pay is free to download, with no in-app purchases.

### Which has better reviews, Deferit or Split Pay?

Split Pay is rated higher. Deferit averages 4.8 out of 5 from 34K ratings, while Split Pay averages 4.9 from 16K ratings.

### Do Deferit or Split Pay have ads?

Deferit shows ads; Split Pay does not.

### Which is updated more often, Deferit or Split Pay?

Deferit ships an update fortnightly, and Split Pay fortnightly. Most recently, Deferit was updated on September 26, 2026 and Split Pay on September 26, 2026.

### Which is more popular, Deferit or Split Pay?

Deferit currently peaks at #166 in the App Store charts, and Split Pay at #81. Chart position reflects recent download velocity rather than total install base.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*