Deferit Reviews 106

TrustScore 4.5 out of 5

4.5

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. People appreciate the app's user-friendly design and how easy it is to navigate. Consumers highlight that it offers a convenient way to manage and pay bills, especially during difficult financial times, by splitting them into manageable installments. Many reviewers mention using the app for essential bills like phone, electricity, and car insurance, emphasizing the flexibility it provides in moving payment dates. Customers report that using the app has helped them avoid late fees and maintain a good credit score, with some noting improvements in their credit ratings. The possibility to negotiate cheaper bills is appreciated by users. However, there are some ambiguous opinions about the payment process, with a lack of consensus among reviewers. On the other hand, the contact channel seems to be a sore point for some consumers.

Based on these reviews

Rated 5 out of 5 stars

Exceptional option for breaking up a large utility bill, which freed up some funds to pay more monthly bills. Great opportunity to build credit rating and on time payment history. Highly recommend... See more

Company replied

Rated 4 out of 5 stars

My experience with Deferit has been great. Compared to other billpay apps, Deferit has low fees and the first deposit is actually refunded back if all the installments are made. Deferit does not take... See more

Company replied

Rated 5 out of 5 stars

My electric bill has been way over the amount I can afford to pay at one time. So by using deferit it has help me tremendously to keep my power on for my kids. Payments are made within same day as req... See more

Company replied

Rated 5 out of 5 stars

Deferit is very trustworthy and legit. My phone bill was due and they helped me get it paid more than once and upped my limit on how much I can use. They also helped me move dates when payments are du... See more

Company replied

Rated 5 out of 5 stars

I am a firm believer in everything happens for a reason.. My phone bill and insurance was late and I was hours away from my insurance being cancelled.. I so happen to be scrolling online and found ou... See more

Company replied

Rated 5 out of 5 stars

I had no idea that I could have Deferit cover my car registration fees. So much was going on and when that bill came thru I mistakenly found this page. They paid it quickly sent me updates throughout... See more

Company replied

Rated 5 out of 5 stars

I was originally stressing about keeping up on my bills and paying for my phone bill or electric bill but when I came across this app and given the choice of splitting the costs, it was like a weigh... See more

Company replied

Rated 5 out of 5 stars

As a recently divorced single mother of three this app has been a life saver when it comes to being able to pay my XCEL and internet bill in full and on time each month. I work both a full time and p... See more

Company replied

Rated 5 out of 5 stars

Deferit has helped me stay on top of paying bills so they aren’t just paid late. It easily splits my payments into 4 separate payments. There’s also other ways to use it that I have not taken advantag... See more

Company replied

Rated 5 out of 5 stars

There are many choices out there for help with your bill. I have used several different ones. Without hesitation, I would gladly recommend Deferit to other consumers. The simplicity of the app is what... See more

Company replied

Rated 5 out of 5 stars

I really appreciate the promptness, along with always keeping me up to date on anything that needs attention. They are so easy to work with and have never let me down. Highly recommend to anyone tha... See more

Company replied

Rated 5 out of 5 stars

I’ve been using deferit for over 2 years just about I’ve had plenty of hardships! However weather it’s a gas bill or phone bill they have covered my expenses and helped me on multiple occasions. If yo... See more

Company replied

Rated 5 out of 5 stars

Absolutely life saving. So glad I downloaded this app. Pay in 4s get a lot of bad reviews but I have never had any issues.

Company replied

Rated 5 out of 5 stars

Deferit has been a life saver. I have been using them for about 4 months and they do not disappoint. I have since received an increase. The system is very easy to navigate. You upload the bill that ne... See more

Company replied

Rated 5 out of 5 stars

I’ve been using Deferit for bills since 4/2022. It’s like Afterpay for bills, but much more easier to move dates. They have helped me during difficult economic times and I recommend to all my family... See more

Company replied

Rated 5 out of 5 stars

Thank goodness for deferit, when it comes to needing help they always are there. Another month keeping my electric on woo hooo!

Company replied

Rated 5 out of 5 stars

I was in a bit of a bind with needing to urgently pay a bill and my paycheck being another week away. Thanks to deferit I was able to pay on time, and just pay back the bill over a few weeks instead.... See more

Company replied

Rated 5 out of 5 stars

🌟🌟🌟🌟🌟 Life Saver! Deferit has truly been a game changer for me! Being able to split my bills into smaller payments has helped me stay on top of my finances without the stress. It’s super easy t... See more

Company replied

Rated 5 out of 5 stars
Verified

When money’s tight and bills are due, Deferit comes through. They’ve helped me avoid late fees and kept my accounts on track by letting me split payments into four easy biweekly chunks. No stress, no... See more

Company replied

Rated 5 out of 5 stars

Deferit has helped me tremendously as a single mother of 3 and blended family of 7! It keeps me on track and I’m able to manage my finances and able to not stress about all bills falling in the same w... See more

Company replied

Rated 5 out of 5 stars

DEFFERIT is the BEST pay in 4 bill pay app I have used so far. The process is easy and it boosted my credit score and I didn't ever realize it, it helped me be able to manage paying my dentist bill a... See more

Company replied

Rated 5 out of 5 stars

I started using Deferit a few months ago when I was juggling a couple of utility bills and needed some breathing room. I’d heard about it from a friend and figured it was worth a shot, especiall... See more

Company replied

Rated 4 out of 5 stars

I love Deferit, been using it about a year or longer… Beast thing ever for a single person, who is handling all their bills on their own. I use it often food my cell, light and internet bill. It’s a... See more

Company replied

Rated 5 out of 5 stars

Deferit, has made my life easier! This product helps to take away the stress of having to pay a bill late, it also helps to ease worry by allowing me to know that no matter what, those continuous bill... See more

Company replied

Rated 4 out of 5 stars

Definitely came through when I was between a rock and a hard place. I had never heard of Deferit, it came up on a google search. I'm so glad it did. I've used it twice now and have been smooth sailing... See more

Company replied

Rated 5 out of 5 stars

When money was tight and my car insurance due date didn’t care, Deferit came through like a financial superhero. I was honestly skeptical at first, but the process was seamless — no crazy inter... See more

Company replied

Rated 5 out of 5 stars

Listen guys get this app asap trust me it has saved me so many times, the app is very easy to use, the membership fee is worth it. I use it for most my bills internet, cell phone, car insurance. So so... See more

Company replied

Rated 5 out of 5 stars

Deferit has been easy to use and my experience has been great!! The only complaint I have is I still never received by deposit back from when I used it the first time but every other experience has be... See more

Company replied

Rated 5 out of 5 stars

It is amazing that i can pay my bills worry free. This company has been amazing and i hsve no miss any payments, thank you Deferit

Company replied

Rated 5 out of 5 stars

Deferit is AWESOME! It Helps me With My 2 Bills My Light Bill & My Car Insurance. I Highly Recommend Deferit . For Just About Any Bill it Allows Me To Use The Rest Of My Check For Other Bills When The... See more

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Rated 5 out of 5 stars

Deferit saved my pockets when lending from others fail to help. Help pay your bills in four ways when needed the most! Thank you so much Deferit amazing service :)

Company replied

Rated 5 out of 5 stars

This has Helped me Tremendously ,I changed jobs got behind I was able to get on Track Because of Deferit 🙌🏾 Yall are God Sent 🙌🏾 Thanks 😊

Company replied

Rated 5 out of 5 stars

WOW Deferit!!! I can not emphasize enough how grateful I am in all my moments throughout the past three years; you been there for me ! From cell phone bills to electric bills; the flexibility to pay t... See more

Company replied

Rated 5 out of 5 stars

I just wish I could get an increase, But Deferit is Good To Have On Stand By .

Company replied

Rated 5 out of 5 stars

What made my experience great is the fact that I was short on a bill and deferit came through for me and paid immediately. It’s like by now pay later. Great to use not abuse. The app even negotiates a... See more

Company replied

Rated 5 out of 5 stars

Love this app, doesn’t matter how much they spot you it guaranteed help! They it pay it fast, they pay it right! I’ll pay that membership fee anytime. ❤️

Company replied

Rated 5 out of 5 stars

Deferit has consistently come in clutch when needed. It's provided me the flexibility to budget accordingly and each time a payment is made, it is reported to Credit Bureau which positively impacts ov... See more

Company replied

Rated 5 out of 5 stars

I’m a single mom with two kids deferred has been a tremendous help and splitting up my payments. I’m very grateful.!!

Company replied

Rated 5 out of 5 stars

I have used Deferit for the last few years and it has been a tremendous help, especially when you may just not have it all but you need something done. Great app will continue using it.

Company replied

Rated 5 out of 5 stars

Deferit guide u every step in setting up for your payment arrangement. Deferit is not a long wait time. Once u submit your first bill. It will take only about two hours

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Rated 5 out of 5 stars

Deferit is one of The Most Caring Company I Would Refer Them to Anybody That Needs Helps With Billing They Help Me Whenever i need them

Company replied

Rated 5 out of 5 stars

It was fast and easy with flexible payments! It really comes in handy when you are struggling to make a larger payment to be able to split it up, and it's so ready to move payments out further if you... See more

Company replied

Rated 5 out of 5 stars

The application process was easy they guide you ever step of the way and made the payment quick. I Definitely recommend this app.

Company replied

Rated 5 out of 5 stars

I liked how they work with me when I had a hardship with empathy, its a good place to go if yiu need help with bills and a person to negotiate for u.

Company replied

Rated 5 out of 5 stars

In these tough economical times to keep up with my bills deferit has been there thank you!!

Company replied

Rated 5 out of 5 stars

Deferit has been amazing! Very helpful and with staying on top of bills and paying them on time. 100% recommend!

Company replied

Rated 5 out of 5 stars

Deferit is a extremely convenient app. When unexpected expenses comes up and bills needs to be taken care of. I truly recommended.

Company replied

Rated 5 out of 5 stars

Best pay in 4 app by far!! Especially paying your bills. It has saved the day for me plenty of times highly recommend it

Company replied

Rated 5 out of 5 stars

This app helps me a lot and I love it. Bills get paid when I need to use this app and its just a food app to use to help u with what u need

Company replied

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Company details

Written by the company

Deferit is a bill budgeting and payment platform that has helped over 550,000 people improve their cashflow and pay bills in installments. To date Deferit has paid over $400m in bills and saved its users over $39m in late fees and other biller penalties by ensuring bills get paid on time. Pay upfront or over time in 4 easy installments. Build your credit history with every bill payment. The flexibility to change payment dates to suit your lifestyle. No interest, no late fees, just a simple subscription. Whether the bill needs to be paid by ACH, Check, Credit Card or any other method, simply take a photo of the bill and we take care of the rest!


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

106 reviews

5-star
4-star
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1-star

Replied to 61% of negative reviews

Typically replies within 48 hours


Rated 5 out of 5 stars

Exceptional option for breaking up a…

Exceptional option for breaking up a large utility bill, which freed up some funds to pay more monthly bills. Great opportunity to build credit rating and on time payment history. Highly recommend utilizing this company and it's services if you need to achieve lower payment options versus having to pay a large balance due at once and easy payment plans.

September 19, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Becky,

We're thrilled to hear Deferit has provided you the flexibility you need (not to mention boosting your credit along the way)—thanks so much for sharing your budgeting experience with us!

Anytime you need help, we've got you covered.

Rated 1 out of 5 stars

I’ve been using defer it for 6 years

I’ve been using defer it for 6 years. Sadly this year I’ve been trying to reach out to them after I had a card issue. This company has very poor communication, in fact I’m now on day 4 waiting to get assistance from their “support team” the responses I get are once daily and seem to be ridiculously late at night between 9pm -11pm signifying over seas assistance rather than dealing with an Australian. There is no email to contact nor phone number. I will not be remaining a customer of defer it from this point. Getting assistance shouldn’t be this hard.

October 10, 2025
Unprompted review
Rated 5 out of 5 stars

Deferit is very trustworthy and legit

Deferit is very trustworthy and legit. My phone bill was due and they helped me get it paid more than once and upped my limit on how much I can use. They also helped me move dates when payments are due. Love it here at Deferit. Would recommend 10/10

October 6, 2025
Unprompted review
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Reply from Deferit

We're so glad you found Deferit reliable, especially with your phone bill—thanks so much for sharing your experience with us! Rest assured; your continued use and on-time (or early) payments will continue to be factors to increasing your Pay-in-4 limit. Your feedback means the world to us, thanks so much for your support.

Rated 5 out of 5 stars

I just wish I could get an increase

I just wish I could get an increase, But Deferit is Good To Have On Stand By .

October 6, 2025
Unprompted review
Deferit logo

Reply from Deferit

Thanks for the 5 stars, Mary! We’re so glad Deferit’s been helpful for you. Account limit increases can happen over time with consistent, on-time or early payments. If a bill exceeds your limit, the difference will only add to your first installment to ensure everything gets paid. If you ever need a hand, don't hesitate to reach out—we're here to help.

Rated 4 out of 5 stars

My experience with Deferit has been great

My experience with Deferit has been great. Compared to other billpay apps, Deferit has low fees and the first deposit is actually refunded back if all the installments are made. Deferit does not take long to send the payment to the bill payor after the first installment is paid. Other apps took up to a week making my payment late and incur fees. I would recommend Deferit. I actually recommended my sister and she loves it too!

July 18, 2025
Unprompted review
Deferit logo

Reply from Deferit

Thanks so much for sharing your bill-budgeting experience with us! At Deferit, we're committed to paying your bills on time and without worry. Anytime you need help, we've always got you covered.

Rated 5 out of 5 stars

Great app to use

September 19, 2025
Unprompted review
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Reply from Deferit

We're glad you found the app seamless—thanks so much for sharing your Deferit experience with us!

Rated 5 out of 5 stars

Absolutely life saving

Absolutely life saving. So glad I downloaded this app. Pay in 4s get a lot of bad reviews but I have never had any issues.

October 1, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Chrissy,

We're thrilled Deferit allowed you to stay on top of your bills—thanks a bunch for sharing your Pay-in-4 experience with us!

Whenever you need assistance, we're always here to help!

Rated 4 out of 5 stars

Easy to use.

Definitely came through when I was between a rock and a hard place. I had never heard of Deferit, it came up on a google search. I'm so glad it did. I've used it twice now and have been smooth sailing.

September 1, 2025
Unprompted review
Deferit logo

Reply from Deferit

We're so glad to hear Deferit was there, especially when you need most—thanks so much for sharing your seamless experience with us! Whenever you need support, we're always here to help.

Rated 5 out of 5 stars

This app helps me a lot and I love it

This app helps me a lot and I love it. Bills get paid when I need to use this app and its just a food app to use to help u with what u need

June 4, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Quinten,

We're thrilled you've found Deferit helpful—thanks so much for sharing your financial journey with us!

We're always here to help.

Rated 5 out of 5 stars

Splitting up my bills.

My electric bill has been way over the amount I can afford to pay at one time. So by using deferit it has help me tremendously to keep my power on for my kids. Payments are made within same day as requested so I don't stress if I'm near cut off date. I like the fact that when I paid off my first contract that I received an increase for paying on time.Most company's don't offer any incentives so I'm very pleased. The app does crash or freeze up at times but other than that I don't have any complaints.

September 13, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Maria,

We're so glad to hear that our service has been reliable with keeping your power on for your family. At Deferit, your worry-free bill payments and flexible budgeting options is our commitment—thanks so much for sharing your experience with us!

Your feedback is valuable in helping us continuously enhance our services. Whenever you need assistance with the app, please don't hesitate to reach out—we're dedicated to supporting you throughout your financial journey.

Rated 5 out of 5 stars

I’m a single mom with two kids deferred…

I’m a single mom with two kids deferred has been a tremendous help and splitting up my payments. I’m very grateful.!!

September 2, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Pamela,

We're glad our Pay-in-4 has been helpful, especially with having your flexibly manage your bills—thanks so much for sharing your Deferit experience with us!

Anytime you need assistance, we've got you covered.

Rated 5 out of 5 stars

Love this app

Love this app, doesn’t matter how much they spot you it guaranteed help! They it pay it fast, they pay it right! I’ll pay that membership fee anytime. ❤️

September 25, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Shakyla,

We're glad you love the app, especially when you need it most! At Deferit, we're committed to paying your bills on-time and without worry. It's great to hear that you find the value within our subscription.

Anytime you need support, we're always here to help.

Rated 5 out of 5 stars

Simply The Best …

I had no idea that I could have Deferit cover my car registration fees. So much was going on and when that bill came thru I mistakenly found this page. They paid it quickly sent me updates throughout the entire process. So great!

September 25, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Renee,

We're thrilled Deferit has helped take care of your car registration fees—thanks so much for sharing your seamless experience with us!

Anytime you need assistance, we're here to support you every step of the way.

Rated 5 out of 5 stars

Thank goodness for deferit

Thank goodness for deferit, when it comes to needing help they always are there. Another month keeping my electric on woo hooo!

September 19, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Renee,

We're glad Deferit was there when you needed most—thanks for sharing your experience with us!

We're always here to help.

Rated 5 out of 5 stars

I am a firm believer in everything…

I am a firm believer in everything happens for a reason.. My phone bill and insurance was late and I was hours away from my insurance being cancelled.. I so happen to be scrolling online and found out about Deferit, when I tell u not only did Deferit save my insurance, they gave me a sense of calm and assured me that there is hope.. My anxiety was through the roof and it’s just expenses after expenses.. Thank you Deferit for being a blessing and calming my mental health.. Love using u guys.

September 3, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Nadine,

Your feedback means the world to us. We take pride and are glad to be part of your worry-free financial journey—thanks so much for sharing your financial journey with Deferit!

We're always here for you anytime you need us.

Rated 5 out of 5 stars

It is amazing that i can pay my bills…

It is amazing that i can pay my bills worry free. This company has been amazing and i hsve no miss any payments, thank you Deferit

September 16, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Sarah,

We're glad you found Deferit reliable with staying on top of your bills—your worry-free budgeting is our commitment!

Whenever you need support, we're always here to help.

Rated 1 out of 5 stars

Giving it a one star for the fact that…

Giving it a one star for the fact that you can't get any further until you pay the $14.99 I haven't proceeded any further but I read that you pay that first but then you may not be eligible to use deferit or declined to use deferit app So doesn't that mean you just took / robbed that person of $15 Am I wrong right I apologize if I am wrong I don't know but If it turns out that I am wrong my one star will be changed to a five

September 14, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Jamie,

Thank you for your feedback and for sharing your concerns. Our $14.99 membership unlocks access to our Pay-in-4, Bill Pay, Bill Negotiation, and credit-building features to help manage bills more easily.

If you feel that this service isn't right for you, we're happy to provide a refund - just email your account details to help@deferit.com and our Customer Heroes will be happy to assist you.

Rated 5 out of 5 stars

Very good best app app helped me with my bill…

Very good app helped me with my bill needs I recommend it to everyone

July 19, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Paul,

We're glad to hear our services helped with your bills. Your support means the world to us; thanks so much for sharing your Deferit experience!

Anytime you need assistance, we're always here to help.

Rated 5 out of 5 stars

Very easy to use

Very easy to use. Great option for splitting payments. Would highly recommend

September 10, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Scott,

We're thrilled to hear how you find Deferit both flexible and seamless—thanks so much for your support and for sharing your Pay-in-4 experience with us!

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