# Deferit vs Settld.

The clearest difference is rating: Deferit at 4.8 against Settld.'s 3.7. Deferit also leads on ratings volume (38K vs 3) and review sentiment (61% vs 50%). Settld.'s advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, update cadence, in-app purchases and device support there is nothing between them.

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

Deferit holds the better App Store score, 4.8 against 3.7. That said, the two scores are not equally well evidenced: Deferit has 38K ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 61% of Deferit's written reviews are positive against 50% of Settld.'s.

Deferit ships an update fortnightly, Settld. every 9 days. The most recent releases landed on November 11, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Deferit | Settld. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (38K ratings)](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/settld/id6762236160/reviews) |
| Number of ratings | **38K** | 3 |
| Positive reviews | **60.7% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Every 9 days** |
| Monetization | Ad-supported | **Free** |
| Size | 52 MB | 53 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [deferit Pty Ltd](https://appshunter.io/developer/1454473560) | [CulinAI, LLC](https://appshunter.io/developer/1890934992) |

## What reviewers say

### Deferit

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

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.

**Highlights:** 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

**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


### Settld.

[App page](https://appshunter.io/ios/app/settld/id6762236160)

Effortlessly divide expenses for any group activity, from dinners to rent. Track who owes what in real-time and send quick payment requests to settle up fast. Avoid awkward group chats and spreadsheets with a simple, stress-free design.

**Highlights:** Split receipts and bills, Assign items to specific people, Track balances in real-time, Send payment requests, Mark cash payments, Clean dashboard for active bills

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

**In-app purchases:** none


## Frequently asked questions

### Is Deferit free?

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

### Is Settld. free?

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

### Which has better reviews, Deferit or Settld.?

Deferit is rated higher. Deferit averages 4.8 out of 5 from 38K ratings, while Settld. averages 3.7 from 3 ratings.

### Do Deferit or Settld. have ads?

Deferit shows ads; Settld. does not.

### Which is updated more often, Deferit or Settld.?

Deferit ships an update fortnightly, and Settld. every 9 days. Most recently, Deferit was updated on November 11, 2026 and Settld. on November 5, 2026.

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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.*