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

Company replied

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

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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

I love it this company

I love it this company

September 4, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Eder,

Thanks a bunch for sharing your Deferit experience with us! We're always here to help.

Rated 5 out of 5 stars

Life saver literally !

July 24, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Renee,

We’re glad Deferit has been a real lifesaver for you! Your feedback means everything to us.

Anytime you need help, we're always here for you.

Rated 5 out of 5 stars

Deferit has been a life saver

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 needs to be paid, it shows your payment plan, and your bill is paid within a few hours or the latest end of day. I will forever be grateful for finding deferit.

September 4, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Crystal,

Thanks so much for sharing your financial journey with us! We’re thrilled to hear that Deferit has been such a helpful tool for you over the past months. It’s great to know we've made managing bills easier and given you the flexibility you need.

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

Rated 5 out of 5 stars

I love this company

I love this company! It has made it so easy to manage bills when funds are tight. The bills still have to be paid. Deferit helps soo much.

September 4, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Kimberly,

We're glad Deferit has made managing your bills a breeze, especially when funds are tight.

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

Rated 5 out of 5 stars

In these tough economical times to keep…

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

September 4, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Marlene,

It's great to hear Deferit was there, especially during tough times with bills—thanks a bunch for sharing your experience with us!

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

Rated 5 out of 5 stars

An entire High Five instead of a two thumbs Up

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 that needs a little extra assistance.

September 1, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Candy,

We're thrilled to hear Deferit helped ensure you stay on top of your bills—thanks so much for sharing your seamless experience with us!

Whenever you need support, we've got you covered.

Rated 5 out of 5 stars

Best pay in 4 app by far!

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

September 1, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Kenya,

We're thrilled to hear you found our Pay-in-4 reliable, especially with staying on top of your bills—thanks so much for the shoutout!

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

Rated 5 out of 5 stars

The application process was easy they…

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

August 22, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Rachel,

Thanks so much for your support and for sharing your experience with us! At Deferit, we're committed to paying your bills on time and without hassle.

Anytime you need help, we're always here for you.

Rated 5 out of 5 stars

I was originally stressing about…

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 weight was taken off of my shoulder tbh!

Definitely recommend, especially when moving.

August 28, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Eduardo,

We understand how important utility bills are, and we're thrilled to hear Deferit had made it possible for you to stay on top of them—thanks so much for sharing your Pay-in-4 experience with us!

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

Rated 5 out of 5 stars

Easy and Quick!!

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 been great!!

August 1, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Kimberly,

Thanks so much for your support—and in sharing your seamless experience with us!

At Deferit, we're committed to ensuring that all your concerns are addressed to your satisfaction. Please email us directly with your account details at help@deferit.com—we're eager to help sort out your refundable deposit promptly.

Rated 5 out of 5 stars

Deferit has been amazing

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

August 21, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Kymberli,

It's great to hear how our services has helped you stay on top of your bills. At Deferit, we're committed to paying your bills on time and without worry.

Whenever you need, we're always here for you!

Rated 5 out of 5 stars

This is such a helpful app!

This is such a helpful app!

August 21, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Nathan,

We're glad to hear you find our services helpful; thanks for sharing your Deferit experience with us!

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

Rated 2 out of 5 stars

Terrible experience so far

I heard about this from a friend but the no response thing is terrible .they already took my money and my bill has yet to be paid and it’s been 3 days . So now I have no power and I can’t get refund or talk to anyone . I need the money back to back the full thing . Which I should have did in the first place smh . Hopefully you can make this right asap

August 20, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Jarrett,

Thank you for bringing this to our attention; we truly appreciate the opportunity to make things right.

While email is the most effective way for us to resolve customer concerns, please know that we hear your feedback and are always working to improve response times and your overall Deferit experience.

We’ve since replied directly to your email with the full details confirming that your bill has been successfully paid, along with the payment receipt for your records.

We’re grateful for your patience and understanding. If you have any further questions or need support, please don't hesitate to reply directly to our email—we're here to help and are eager to learn more about how we can earn those extra stars from you!

Rated 5 out of 5 stars

Deferit saved my pockets when lending…

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 :)

August 11, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Diana,

Were thrilled to hear Deferit was reliable with your bills, especially when you needed it most—thanks so much for sharing your bill-experience with us.

Anytime you need help, we're always here for you!

Rated 5 out of 5 stars

Deferit is one of The Most Caring…

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

August 14, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Patricia,

Your support means a lot to us; thanks so much for sharing your heartfelt experience. We're happy to hear that Deferit has been there when you needed help with your billing.

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

Rated 5 out of 5 stars

Deferit has helped me stay on top of…

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 advantage of yet but I will try it out

July 1, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Anijia,

We're glad to hear how our services had helped you stay on top of your bills. At Deferit, we're not only committed to your on-time bill payments, but also with your flexible budgeting options—thanks for sharing your bill-budgeting experience with us!

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

Rated 1 out of 5 stars

This company takes your money

This company takes your money, accepts your bill and then notifies you later that it isn't a company they work with. Really?? Spectrum Mobile isn't an acceptable bill? And it is prefilled in your drop down list, but you can't pay them? Liars and scammers.

August 12, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Genine,

We’re sorry to hear about your experience and appreciate the chance to clarify. We previously supported Spectrum Mobile bill payments; however, due to recent changes from the biller, we can no longer process them online. Spectrum Mobile now requires logging in with sensitive account credentials, which we are prohibited from requesting or storing to protect user privacy. In addition, they do not accept check payments, leaving us without a secure way to complete these transactions. We do, however, still support Spectrum Cable.

We understand this may have caused confusion, and we sincerely apologize for any inconvenience. We’ve since replied directly to your email to discuss your options and how you'd wish to proceed.

Your feedback is valuable, as it helps us improve transparency and enhance the Deferit experience. If you have any other questions or need further assistance, please don't hesitate to let us know—we’re eager to support you every step of the way.

Rated 3 out of 5 stars

Customer Service

After multiple attempts the company did get back to me. So far the process has been smooth.

I paid the fee for my bill to get paid and I HAVE YET TO HEAR FROM THIS COMPANY!! They took my money and as right now my bill has not been paid. My disconnect is on...and I have been screwed. I have tried emailing and no one will respond!! I don't recommend.

August 11, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Brandon,

Thank you for bringing this matter to our attention; we value the opportunity to address your concern to your satisfaction.

We sincerely apologize for the delay in our response as we’ve recently seen a higher volume of support inquiries, which has contributed to some extended response times. Rest assured; we’re actively scaling our support efforts to meet demand, and we genuinely appreciate your utmost patience as we work through this.

We've since followed up with you directly via email, providing the complete details confirming that your bill payment has successfully been processed, along with details to ensure your account reflects this payment accurately.

Your patience and understanding throughout the process are truly valued. If you have any further questions or need further assistance, please don't hesitate to reply directly to our email—we're committed to supporting you every step of the way and are eager to learn more about how we can improve your Deferit experience moving forward.

Rated 5 out of 5 stars

Love deferit

Love deferit. It helped me multiple times when I was in a jam. Quick and easy to use.

August 6, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Theresa,

We're glad to hear Deferit has helped you, especially when you needed most—thanks a bunch for sharing your seamless experience with us!

Whenever you need help, we're always here for you.

Rated 5 out of 5 stars

This is a life saver when you need it…

This is a life saver when you need it got caught in a last minute situation and this really saved the day for sure

July 16, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Mario,

We’re so glad to hear we could be there for you when it mattered most! Last-minute situations can indeed be worrying, and it’s great to know our service helped turn things around quickly.

Thanks so much for sharing your Deferit experience with us—we're here to support you throughout your financial journey.

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