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

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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

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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

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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

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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

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.

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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

Company replied

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

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1-star

Replied to 61% of negative reviews

Typically replies within 48 hours


Rated 5 out of 5 stars

I was in a bit of a bind but deferit helped

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. It was a quick and easy process. I just set up my account, uploaded my bill, accepted the payment schedule and deferit took care of the rest. My bill was paid within hours.

July 1, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Meghan,

We're thrilled to hear how our services had helped you pay your bill, especially when you needed it most—thanks for sharing your Pay-in-4 experience with us! At Deferit, we're not only dedicated to your worry-free bill payments but also with your flexible budgeting options.

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

Rated 5 out of 5 stars

I lost my debit card and reported it … updated with company retaliation

I lost my debit card and reported it as such, before I even received the new one in the mail despite them having my checking account and a different card on file, my Deferit account was "restricted" as it was "flagged" by the "banking system" and if I am me, I should contact them "immediately." IMMEDIATELY. Except, small problem, there is not an immediately for Deferit, as they "do not offer phone support" to allow for more engaging conversations via email with their "Customer Heros" and there are "no scripts." Because obviously no one uses a template in customer service when responding to an email. After more than a week, Deferit has replied, asking for the strangest forms of verification I have ever seen--and I worked in banking for decades. Red flags everywhere. Run, don't walk. I'm not providing they're strange verification request, already canceled my account, but I can't pay for anything I owe them. I should have known better.

Edit:

Following the company's response, my account was immediately restricted again, without any indication of a reason or notification. All I want is my membership fee returned as well as the "tip" with my first bill payment. Regardless, this company will destroy, your credit, and your time, with fees and retaliation, as evident by this review.

2nd Update: Company responded with compassionate resolution based on perhaps a mutual misunderstanding, real people are answering emails.

July 22, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hello there,

Thank you for bringing your concern to our attention; we appreciate the chance to have made things right.

We understand how important it is to quickly regain access to your account, especially when a payment method is lost, and we’re grateful you took the time to raise your concerns.

After reviewing your case, we're pleased to confirm that your account has since been successfully unlocked following receipt of your documentation and have also followed up with full details via email for your reference. You’re welcome to log back in and resume using your account at your convenience.

While we believe that providing support via email ensures secure and efficient communication in resolving customer concerns, we recognize that timely updates are especially important during urgent account reviews. Please know that your feedback is valuable to us and we're committed to improve our response times, verification processes, and your overall Deferit experience.

Thank you again for your patience and collaboration in sorting this matter out. If there’s anything else we can assist with, please feel free to reply directly to our email—we’re dedicated to supporting you throughout your financial journey.

Rated 5 out of 5 stars

I love deferient!!!!

I love deferient!!!!

July 24, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Renee,

We're glad you love Deferit—thanks so much for sharing your experience with us!

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

Rated 5 out of 5 stars

Grateful 🙏🏾

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 😊

July 18, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Kandis,

We're thrilled to hear that Deferit has helped you stay on top of your bills. especially on situations like job change—thanks so much for sharing your experience with us!

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

Rated 5 out of 5 stars

It’s great for splitting your bills

It’s great. I appreciate the ability to break up my bill payments.

July 31, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi there,

Thanks so much for sharing your Pay-in-4 experience with us! At Deferit, we're committed to your flexible budgeting options.

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

Rated 5 out of 5 stars

Deferit is a extremely convenient app

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

June 17, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Yesi,

We're glad to hear how you found Deferit convenience, especially when you need it most in staying on top of your bills—thanks a bunch for the shoutout!

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

Rated 5 out of 5 stars

There are many choices out there..

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 is astonishing. I could not be happier with the Deferit services, and while I have not used every plan feature yet- I am excited to see what else they can assist me with. Finally, this helps build credit. That is a win/win in my book!

July 18, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi there,

We’re thrilled to hear that Deferit has made a difference, especially when it comes to staying on top of your bills with ease (while boosting your credit along the way)—thanks so much for the shoutout!

Your feedback means a lot to us. Anytime you need support, we're always here to help.

Rated 5 out of 5 stars

Fast and easy to request a bill be paid.

Fast and easy to request a bill be paid.

June 9, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Tamela,

We're so glad to hear that you found our services fast and easy! At Deferit, we're committed to paying your bills on-time and without worry.

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

Rated 5 out of 5 stars

From panic to peace

In less than 5 minutes, my bill was paid on time and I could breathe again. No credit check, no interest, and no judgment. Just real help, right when I needed it.
The best part? It didn’t just solve my problem in the moment. It gave me a tool I can use any time life throws a curveball. It’s like having a safety net in your pocket.

July 22, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Precious,

We’re so glad to hear how our service was able to turn a moment of panic into peace of mind. At Deferit, we’re committed to paying your bills on time—without interest, credit checks, or added stress. It's not just about solving a problem in the moment but about giving you a reliable tool you can count on, time and time again.

Thanks for trusting us to be part of your financial journey. We’ll always be here whenever you need us!

Rated 5 out of 5 stars

I have been using deferit for some time…

I have been using deferit for some time now and this app has help me a lot I love it , especially when I don’t have the funds to pay my bills I use deferit , it has also helped my credit score and I have been increased amount I recommend this to anyone

July 18, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Yasha,

We're so glad to hear how Deferit has helped you for some time now, especially with your bills (not to mention boosting your credit score along the way)—thanks so much for sharing your experience with us!

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

Rated 5 out of 5 stars

Very easy to use

Very easy to use

July 15, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Terica,

We're thrilled to hear how you find Deferit seamless; thanks so much for sharing your experience with us!

If you ever need assistance, please don't hesitate to reach out—we're always here to help.

Rated 5 out of 5 stars

Deferit has helped me tremendously as a…

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 week. Deferit has been dramatically a positive experience for me! Thank you!

July 16, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Ms. Medina,

Thank you so much for sharing your bill-budgeting experience with us! It means a lot to hear that Deferit has made such a positive impact, especially in helping you stay on track and reduce financial stress while managing a busy household.

Supporting families like yours is exactly why we do what we do, and we’re proud to be a part of making things a bit easier. We're here to support you throughout your financial journey with us!

Rated 5 out of 5 stars

Boosting my credit

Boosting my credit. Perfect for light bills

July 10, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi LeKendle, 

We're thrilled to hear that Deferit has been a helpful tool for managing your light bills while boosting your credit score along the way—thanks so much for sharing your experience with us!

If there's ever anything you need assistance with, please don’t hesitate to reach out—we're always here to help.

Rated 1 out of 5 stars

Painful

SHOCKING. My card was blocked and after a month of communications and lots of patience, the Deferit employees informed me they could not provide a date on when the technical default would be resolved. A complaint to the AFCA was made and I was then threatened with legal action and account closure. Staff are inconsistent with their information, responses are delayed and the manager unprofessional.

June 4, 2025
Unprompted review
Rated 5 out of 5 stars

It was fast and easy with flexible…

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 need to. I highly recommend.

May 16, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Cassandra,

Thanks so much for sharing your seamless experience with us! We're thrilled to hear how you've found Deferit handy—from our signature Pay-in-4 feature to our flexible payment options!

Your feedback and support mean the world to us. We're always here to support you throughout your financial journey!

Rated 5 out of 5 stars

Deferit is AWESOME

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 They Arise . I Have Recommended Just About All My Family Members & Friends To Use Deferit ! 10/10 ! 100/100 ! I Love It !

June 25, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Keymah,

Thank you so much for sharing this. We're really glad Deferit has helped you with your bills and that you've recommended us to your family and friends. It means a lot to know we're making a difference for you.

We appreciate you being part of the Deferit community.

Rated 5 out of 5 stars

What made my experience great is the…

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 cheaper bill on your behalf. Awesome app to have.

June 6, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hello John,

We're so glad to hear that Deferit was able to step in when you needed it most—thank you for taking the time to share your experience with us.

It means a lot to know that the service gave you some breathing room when things were tight, and we’re especially happy that our bill negotiation feature brought even more value. That’s exactly what we’re here for—to make managing bills simpler, fairer, and less stressful.

Thanks again for your trust in us. If you ever need support or have questions, we’re just a message away.

Rated 5 out of 5 stars

Always good with customer service!

Always good with customer service when I need assistance. Absolutely love deferit. Quick responses every time and quick with assisting bi

June 16, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi there,

Thank you for your kind words and for taking the time to share your experience.

We’re glad to hear that you’ve had consistently positive interactions with our customer service team. Providing timely and helpful support is a top priority for us, and it’s great to know that this has made a difference for you.

We truly appreciate your continued support and are grateful to have you as part of the Deferit community.

Rated 5 out of 5 stars

Deferit is definitely my bestie it has…

Deferit is definitely my bestie it has never let me down super easy to use and as you start paying it off you can literally throw another bill on there and pay that off as well and of course you can’t go wrong with the date changes when you need a extra day or so we love a extension times is tough

June 19, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi there,

Thank you for your kind and enthusiastic feedback.

We’re pleased to know that Deferit has consistently met your expectations and provided the flexibility you need. It’s great to hear that our platform’s ease of use and features—like the ability to manage multiple bills and adjust payment dates—have made a positive impact.

We understand how important reliable support is, especially during challenging times, and we appreciate you placing your trust in us.

Rated 5 out of 5 stars

I liked how they work with me when I…

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.

June 16, 2025
Unprompted review
Deferit logo

Reply from Deferit

Hi Donald,

Thank you so much for your thoughtful review. We’re truly grateful you chose to share your experience.

It means a lot to us to know that our team was able to support you with empathy during a difficult time. We understand how stressful financial hardship can be, and it’s our mission to not only help with bills but to treat every customer with respect, care, and understanding.

Your feedback reminds us why we do what we do. We’re here whenever you need us.

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