Deferit vs Settld.

Take control of your bills and budget with confidence. Deferit empowers you to pay almost any service bill on your terms.⁴ 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, once every two weeks. 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. $1.99 application fee, even if declined. Processing fees apply. 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/

Settld makes splitting bills effortless. Whether it’s dinner, rent, trips, bars, groceries, or group events, Settld helps you divide expenses fairly and get paid back fast. FEATURES • Split receipts and bills in seconds • Assign items to specific people • Track balances in real time • Send payment requests instantly • Mark cash payments manually • Clean dashboard for active bills • Know exactly who owes what • Fast, simple, stress-free design PERFECT FOR • Restaurants • Roommates • Vacations • Group dinners • Bars and nightlife • Shared purchases • Everyday friend groups NO MORE AWKWARD GROUP CHATS No spreadsheets. No Venmo confusion. No chasing people for money. Just split it. Track it. Get Settld.