# Deferit vs Split

The clearest difference is in-app purchases: Deferit at none against Split's 1. Deferit also leads on chart position (#185 vs unranked). Split's advantage is ads (none vs shown). On price, update cadence, device support and iOS requirement there is nothing between them.

Both are free to download. Split sells 1 in-app purchase, starting at $3.99 per month. Deferit asks for nothing beyond the download.

Deferit ships an update fortnightly, Split every 10 days. The most recent releases landed on November 8, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Deferit | Split |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (37K ratings)](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561/reviews)** | — |
| Number of ratings | **37K** | — |
| Positive reviews | 60.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Every 10 days** |
| Monetization | Ad-supported | — |
| Best chart rank | **#185** | — |
| Size | 52 MB | 20 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [deferit Pty Ltd](https://appshunter.io/developer/1454473560) | [Foundry Studio Labs LLC](https://appshunter.io/developer/1896502294) |

## What reviewers say

### Deferit

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

**Currently charting:** #185 Top Free · Finance (US App Store)

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


### Split

[App page](https://appshunter.io/ios/app/split-scan-and-split-bills/id6767711955)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Split Pro | $3.99 | per month |


## Frequently asked questions

### Is Deferit free?

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

### Is Split free?

Split is free to download, with in-app purchases available.

### Do Deferit or Split have ads?

Deferit shows ads; Split does not.

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

Deferit ships an update fortnightly, and Split every 10 days. Most recently, Deferit was updated on November 8, 2026 and Split 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.*