We created Deferit to be an interest-free budgeting tool that allows you to pay and manage your bills on time and on your own terms. We pay your bill for you upfront on the date you instruct us, giving you the flexibility to pay us back in the form of 4 installments payable biweekly.... show more
Deferit Reviews
5
72%
4
5%
3
2%
2
1%
1
20%
4.1
256 reviews
256 reviews
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Deferit
Brittany Kinnebrew @stylesbybk
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5 Star Rating
I found about Deferit after experiencing homelessness and I was looking for ways to not end up back there again. To be able to split my power, gas, and even phone bill into smaller payments has been a lifeline I didn't know I would ever find. Think of it as a pay in four for your bills and let it help build your credit at the same time.
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Product: Deferit Bill Payments
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Deferit
Lualhati perez @lualhatiperez
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5 Star Rating
Deferit help's a lot specialy now a days when everything expensive..THIS TOTALY HELPS!
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi Lualhati,
We recognize how challenging expenses can be, especially during certain times, and are thrilled you found Deferit helpful with managing your finances—thanks so much for sharing your budgeting experience with us!
We've always got you covered.
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bm796612 @bm796612
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5 Star Rating
My experience with Deferit has been genuinely helpful, especially when I needed a little flexibility with my bills. The app is super easy to use, and the process of splitting payments is straightforward without a lot of unnecessary steps or confusion.
What I liked most is how fast everything works. Once I submitted a bill, it didn’t take long to get it approved and handled, which took a lot of stress off my shoulders. It’s a great option if you’re trying to manage your cash flow without falling behind.
One thing I think could be improved is clearer communication about fees upfront, just so there are no surprises for new users. Other than that, the service does exactly what it promises.
Overall, Deferit is a reliable and convenient tool if you need short-term help staying on top of your bills. I’d recommend it to anyone looking for a simple way to spread out payments.
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi Brooks,
Your input is valuable to us; thank you so much for sharing your feedback in such detail.
We’re thrilled you’ve found Deferit genuinely helpful—especially when a bit of flexibility makes all the difference. It’s great to hear that you’ve found the app seamless and easy to use, and that our Pay in 4 option has supported flexible budgeting while helping you stay on top of your bills.
We’re also glad our commitment to on-time bill payments has helped ease some of that stress—getting your bills handled promptly is exactly what we aim for.
We recognize how important clear and transparent communication is, especially around upfront fees. Rest assured that your feedback has been shared internally as we’re continually committed to improve.
Overall, we’re glad Deferit has been a reliable and convenient tool for you—thanks so much for the shoutout and for sharing your experience with us! We're always here to help.
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Deferit
Tristan D @tristandavis0401
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5 Star Rating
Has been a great help to get through a rough time.
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi Tristan,
We're thrilled Deferit has been helpful, especially when you needed it most—thanks so much for sharing your experience with us! We've always got you covered.
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Deferit
tiye anderson @tiye_anderson
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5 Star Rating
Very easy to use, really helpful.
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi Tiye,
We're glad you found Deferit helpful—thanks a bunch for sharing your seamless experience with us!
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Deferit
mecala_davis @mecala_davis
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5 Star Rating
I have been using Deferit for almost a year now, or just over that, and I love it. It's helping me pay my bills over time instead of being out a lot of money upfront. I always recommend this to people!
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi Mecala,
We're thrilled to hear you've found Deferit helpful with flexibly staying on top of your bills—thanks a bunch for the shoutout and for sharing your reliable budgeting experience with us!
We've always got you covered.
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Deferit
charperry757 @charperry757
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4 Star Rating
This app came in handy when I needed it. I gave it 4 stars because $15 a month is a bit high for an app, but I will hang onto it for those times I need it.
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi Charlotte,
Thank you for sharing your feedback and for the 4-star review. We’re really glad to hear the app came in handy when you needed it—that’s exactly what we aim to provide for our members.
We also appreciate your perspective on the monthly fee. Our $14.99-membership tier is designed to support members with flexible financial tools, including the ability to settle bills upfront and repay them in manageable installments through Pay in 4. In addition, the membership includes features intended to support overall financial well-being, such as:
• Credit Builder – Maintaining an active account and making early or on-time payments may help positively impact your credit score.
• Bill Pay – A convenient way to pay bills while continuing to build positive payment history, especially for bills not eligible for Pay in 4.
• Bill Negotiation – we can help reduce eligible bills, with any secured savings shared 50/50 between you and Deferit.
If you’d like to learn more about these features, you can visit https://help.us.deferit.com/hc/en-us/articles/4404607707927-How-do-I-upload-a-bill for more information.
We truly appreciate you keeping Deferit available for those moments when you need extra flexibility. If you ever have any other questions, need further clarification or assistance, please don’t hesitate to reach out—we’re always here to help and eager to earn that extra star from you!
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Deferit
queendallas549 @queendallas549
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5 Star Rating
Very helpful with stretching my bill and paying it on time if I'm not able to afford the full amount. It's definitely a lifesaver and reports timely payments to credit, which is a plus if you like building credit. Although the subscription is a little pricey, it is still a very helpful app.
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Product: Deferit Bill Payments
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Deferit @Deferit
We’re so glad to hear that Pay in 4 has helped you manage your bills on time when covering the full amount at once isn’t feasible. Creating reliable flexibility to help members stay current and avoid stress is exactly what we aim for.
It’s also wonderful that Credit Builder has been a meaningful benefit, supporting timely payments and positive credit growth—something we’re proud to provide.
We appreciate your honest perspective on the subscription cost. Feedback like yours helps us continually evaluate and strengthen the value we deliver. Our membership also includes features like Bill Pay and Bill Negotiation, all designed to support financial health, and your insights are shared internally as we work to improve.
Hearing that Deferit has been an overall “lifesaver” truly means a lot. Thank you for being part of our community and for sharing your experience—we’re grateful to support you throughout your financial journey.
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KeAvonna Williams @mekdw2
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5 Star Rating
I absolutely love using Deferit. Being able to split my bills into four payments has honestly been a game changer. Life does not always line up perfectly with paydays, and this app gives me breathing room without the stress.
What I appreciate most is how simple and straightforward the process is. No complicated setup, no confusion; just upload the bill, choose to split it, and it is handled. It feels empowering to stay on top of my responsibilities without feeling financially overwhelmed in one lump sum.
Deferit has helped me manage my cash flow better and avoid that all-at-once bill shock. It is practical, reliable, and fits real life. I genuinely recommend it to anyone who wants more flexibility and control over their finances.
Big fan.
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi KeAvonna,
Your feedback truly means the world to us—thank you for taking the time to share your experience in such thoughtful detail.
We’re thrilled to hear that splitting your bills into four payments has been a game changer for you. Our goal is to create flexibility that fits real life, and it’s wonderful to know that Pay in 4 has given you the breathing room and confidence to stay ahead of your responsibilities without added stress.
It’s equally rewarding to hear that you find the process simple and straightforward. We work hard to ensure uploading a bill and choosing to split it feels seamless, clear, and empowering every step of the way.
Thank you for being such a big fan and for recommending Deferit to others. We’re grateful to support your financial journey and look forward to continuing to be a reliable part of your budgeting toolkit.
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Deferit
caseythetechie @caseythetechie
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1 Star Rating
Said they were billing me $1.99 to review my bill, charged me $15.98, and claimed they don't even operate in my state. Absolutely unacceptable.
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Product: Deferit Bill Payments
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Deferit @Deferit
Thank you for the feedback and opportunity to support you.
We know how important transparency is—especially when upfront payments are involved and sincerely apologize for any confusion upon confirming that your state is not supported by Pay in 4 after completing the membership signup.
While you can rest assured that we're happy to issue a full refund per your request if Deferit doesn't feel like the right fit or you haven't used our services, we'd like to clarify that your subscription includes access to Bill Pay, Credit Builder, and Bill Negotiation—features likewise designed to help support financial well-being. Feel free to visit https://help.us.deferit.com/hc/en-us/articles/4404607707927-How-do-I-upload-a-bill for more information.
Your patience and understanding throughout the process are truly appreciated. Should you have any questions, need clarification, or have decided not to move forward with our services at this time, please don't hesitate to email your account details directly to [email protected]—we're committed to supporting you whatever way works best.
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Deferit
macey harris @macey_brooks63
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5 Star Rating
Deferit has been a godsend. I honestly don't know what I would do without what they offer. Times are tough; bills don't slow down. In fact, they have only increased over the past years, yet our salaries aren't increasing as quickly as bill prices. Peace of mind is one of the advantages they have offered. Whatever they're doing, I sincerely appreciate it, and I hope they stay in business to help many more. From the bottom of my heart, I am grateful.
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi Macey,
Your heartfelt feedback means the world to us. We recognize how finances could be tight at times and are glad Deferit has been reliable with helping you stay on top of your bills—thank you so much for sharing your budgeting experience with us!
Whenever you need support, we're always here to help.
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Deferit
Brooklyn Alesi @brooklynann1985
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5 Star Rating
I love Deferit. This app helps me pay my bills on time and gives me the ease of paying over time. This has helped me so much.
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi Brooklyn,
We're thrilled Deferit has helped you stay on top of your bills—thank you so much for sharing your flexible budgeting experience us!
Whenever you need support, we've got you covered.
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Deferit
steven villa @stevfloriz
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5 Star Rating
Deferit has honestly been such a blessing for me. Being able to upload any bill and split it into four smaller payments has taken so much stress off my shoulders. It doesn't matter if it's rent, utilities, or something unexpected — Deferit makes it feel manageable instead of overwhelming. What I love most is the flexibility. You're not locked into rigid dates, so you can choose payment days that actually work with your paycheck and real life. That alone makes a huge difference. If you're someone who ever feels stuck between bills and timing, this app really helps you breathe a little easier. I'm genuinely grateful I found it, and I recommend it to anyone who wants more control over their finances without feeling judged or pressured.
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi Steven,
Your feedback means the world to us. We're glad to hear Deferit has been reliable with having you manage your bills with our Pay in 4 feature—thank you so much for sharing your flexible budgeting experience with us!
Whenever you need help, we've always got you covered.
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Deferit
Amber Seay @Matt_Amber_Seay
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5 Star Rating
Amazing app that helps when you're in a bind with your bills. Super fast payments! I had a disconnect notice, but Deferit was able to collect all my information and get it paid quickly!
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Product: Deferit Bill Payments
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Deferit @Deferit
Hi Amber,
We're thrilled Deferit has been helpful, especially when you're in a bind—thanks so much for sharing your seamless bill-budgeting experience with us!
Anytime you need support, don't hesitate to reach out—we're always here to assist.
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Deferit
Neva R McCray @nevam
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5 Star Rating
I've never heard of Deferit until I started looking for help with a bill. I am so blessed that I found them. They have been such a blessing and a huge help in us getting caught up on our bills this holiday season. Thank you, Deferit. 😁
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Product: Deferit Bill Payments
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Deferit @Deferit
Hello Neva, Thank you for the kind words! We’re so glad you found Deferit when you needed help and that we could support you in getting caught up on bills during the holiday season. It means a lot to know we could make a positive difference. We truly appreciate you choosing Deferit!
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