Deferit: Pay bills in 4 4+

Pay and manage your bills

deferit Pty Ltd

Designed for iPhone

    • 4.8 • 6.9K Ratings
    • Free

iPhone Screenshots


Budget and pay any bill with no interest or late fees. Simply upload a bill, choose how much to pay, and we pay it for you. You pay over time in 4 simple installments!

Move payments and stay on top of your bills all from within the app.

Pay your bills in 4:
- Simply take a photo, screenshot or add a file.
- Select the amount to pay your biller.
- We pay them the full amount upfront!

Save money on your bills:
- Pay less for the same service across internet, phone, TV and more.
- Our team of account experts negotiate with your biller.
- If we can't save you money you don't pay anything.

Build your credit history with any bill payment:
- Most bill payments go unreported, we've changed that.
- Pay any bill as you normally would through the Deferit app.
- We report the payment to the three major credit bureaus.
- Building credit history can attract lower rates on loans and more.

Get started today and join a community of over 500,000 Americans using Deferit to take power over their bills.

The Deferit “Split bills in 4” feature is available in all states except for Delaware, Idaho, Indiana, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Rhode Island, South Dakota, Washington and Wisconsin. Split bills in 4 is subject to eligibility and a down payment may be required. The Credit Builder feature, Bill Savings and our bill management platform are available in all states.

Deferit charges a monthly membership fee of $14.99. No lock-ins. All card payments are subject to a processing fee of $0.99.

What’s New

Version 2.0.65

This release contains performance improvements to keep everything running smoothly.

Ratings and Reviews

4.8 out of 5
6.9K Ratings

6.9K Ratings

prettysavvy ,

Love it

I love deferit, I’ve used it quite a few times. Never had a problem. I can say if you don’t have a clear way shown on the bill uploaded of how to pay online they will send out a check instead. It’s up to you to check the payment method at the bottom of the screen once you get that message of “your bill is ready to be paid” once you hit accept or whatever that’s what it is. A check is sent. I made the mistake of doing that once, and a payment was past due but again that was completely my fault. For the people saying they had to pay the full bill or 3 payments upfront, yea it’s kinda dumb, but your credit may not be up to par and they want to be sure they can trust you or you maybe have too may unpaid bills active and it’ll do that. They’ve also increased my credit limit to $500. And as of sept 1st they will start reporting on time payments to the credit bureau. I have no complaints.

JosieChico ,

5th star

So far so good will get the 5th star once my power bill is paid. I guess it was my fault for not doing sooner I did it last Friday got approved first payment taken. Was working yesterday I work from home and power went out they cut us off for none payment. I spoke to power company and they said they needed something from deferit saying they were paying the bill. But then they reconnected us giving us until Tuesday bc after I told them it was being paid they said they never heard of this place trying to make me feel I was being scammed. Well they call and said they were reconnecting until Tuesday bc right after I talked to them 3 other people called in talking about this app and the bill would be paid so they reconnected us bc of that. Power companies fault bc I had emails and confirmation nm and all that. I am new to this and think it’s gonna be great! Helped when I was in a bind! So 5th star definitely be given once payment is at power company and PLEASE provide a way to contact customer service other than email and that chat. 5 different people disconnected me from chat yesterday when I was trying to get this resolved and that is frustrating. But thank you for helping my family when we were in a bind!


Best App EVER!

Let me start by saying that I was VERY skeptical about this company, but as I called them and asked all my inquiries, I was more than impressed with the work service. I was having trouble paying for my cable bill and BAM! paid! I do advice to please plan your bill a few days before due date. There was a mistake on their part by Payo g vía check when it was suppose to be paid via phone or online- but I called them immediately and they fixed it in a few hours. Please be patient with their wait- as they’re always have high call volume. The service DOES work, make sure you do your homework with your merchant on how they can receive payments. If your merchant does NOT have a “ guest pay option” then you need to add the details when you upload the invoice- if not, the system will generate a check to your merchant. I cannot express how happy I am with them and how professional they treat their customers. A++

App Privacy

The developer, deferit Pty Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contact Info
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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