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
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Review summary
Based on reviews, created with AI
Based on these reviews
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Thank goodness for deferit, when it comes to needing help they always are there. Another month keeping my electric on woo hooo!
Company replied
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
🌟🌟🌟🌟🌟 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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
I just wish I could get an increase, But Deferit is Good To Have On Stand By .
Company replied
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
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
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
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
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
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
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
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
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
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
In these tough economical times to keep up with my bills deferit has been there thank you!!
Company replied
Deferit has been amazing! Very helpful and with staying on top of bills and paying them on time. 100% recommend!
Company replied
Deferit is a extremely convenient app. When unexpected expenses comes up and bills needs to be taken care of. I truly recommended.
Company replied
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
Very easy to use. Great option for splitting payments. Would highly recommend
Company replied
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
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
United States
- deferit.com
4.5
Excellent
106 reviews
Replied to 61% of negative reviews
Typically replies within 48 hours
I'm having issues with reaching someone
I'm having issues trying to get in touch with someone for the past 48 hours, and all I've received are automated responses. It's incredibly frustrating trying to reach a company when they only offer online communication and no one responds. I have a specific question regarding my account. I set up a bill to be paid June 13th and received an email confirmation stating that it was paid. However, the bill has not been paid with my utility company. My first payment has already been deducted from my account and automated payments are set for every two weeks. If Deferit is not going to cover the bill then I should get a refund and future payments stopped. I've used Deferit multiple times before and have always had a good experience. I didn't want to write this review, but it seems this is the only way to get a response, which is even more disappointing. I really hope someone can provide some type of help with my issue.
June 15, 2025
Unprompted review
Reply from Deferit
Hello Cyrstal,
Thank you so much for taking the time to reach out to us. We truly appreciate you being part of the Deferit community and value the trust you've placed in us over the course of your journey. Your message means a lot, and we’re here to make sure you get the support and clarity you need.
We’ve sent you an email with all the details about your bill and what we’re doing to sort things out. If you haven’t seen it yet, it might be worth checking your spam or junk folder — just in case it landed there by mistake.
We know how important it is for your bill to be paid on time, and we’re doing everything we can to make things right. If anything’s still unclear or if there’s anything else you need, please feel free to reply to that email — we’re here and ready to help.
Verified
Lifesavers!
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 falling behind—just real help when I need it most. Honestly, I don’t know what I’d do without them! 🙌🏼
June 3, 2025
Reply from Deferit
Hello there,
Thank you so much for sharing your bill-budgeting experience with us! We're thrilled to hear Deferit has helped you stay on top of your bills without the added stress.
Making essential payments more manageable is exactly why we built our signature Pay-in-4 feature—to give you the flexibility when it matters most. It's great to know it's making a real difference for you.
We appreciate you being part of the Deferit community and are always here to support you throughout your financial journey with us!
Lifesaver!!
Without Deferit I would be nothing . It’s a total life saver. Even without notice they’ll help . One day I was struggling with a bill and looked up they extended the amount and it helped me stay on track
March 31, 2025
Unprompted review
Reply from Deferit
Hi Kadoe,
We're so glad to hear that Deferit has made a meaningful difference during a tough moment; thanks so much for sharing your heartfelt experience with us.
Helping people stay on track—especially when life throws the unexpected at you, is exactly why we’re both committed and dedicated to what we're doing. We sincerely appreciate your trust in us and are genuinely proud to be part of your financial journey.
Whenever you need assistance, we're always here to help and support you every step of the way!
Thank you
The best app ever, truly a life saver. Just like a friend, always there for you.
June 6, 2025
Unprompted review
Reply from Deferit
Hi Rigoberto,
Your feedback means the world to us; we're so glad to hear how you find our services reliable—thank you so much for sharing your Deferit experience!
Whenever you need support, we've always got you covered.
Easily the best app ever and the more…
Easily the best app ever and the more you pay down the more they give
June 5, 2025
Unprompted review
Reply from Deferit
Hi Brieanna,
We're so glad to hear how you've found Deferit reliable, especially with your increasing Pay-in-4 limit with every on-time or early payment and continued usage—thank you so much for sharing your seamless bill-budgeting experience with us!
We're always here to support you throughout your financial journey with us.
Lifesaver
🌟🌟🌟🌟🌟
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 to use, and I love how fast and reliable the service is. I’ve avoided late fees and even improved my credit score because of it. Highly recommend this app to anyone needing a little breathing room with their bills. Thank you, Deferit!
May 14, 2025
Unprompted review
Reply from Deferit
Hi Madein,
Thank you so much for the thoughtful review; we’re thrilled to hear that Deferit has made such a meaningful difference for you. Helping people stay on top of their bills without added financial stress is exactly what we're dedicated on, so it’s incredibly rewarding to know it’s having that impact.
We're especially glad to hear it's contributed to improving your credit score and helped you avoid late fees. We always strive to work hard to keep the experience fast, reliable, and seamless—your feedback is valuable to us!
Thanks again for being part of the Deferit community and for your continued support.
Deferit guide u every step in setting…
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
May 29, 2025
Unprompted review
Reply from Deferit
Hi Melinda,
Thanks so much for sharing your seamless experience with us! At Deferit, we're committed to your worry-free bill payments and flexible budgeting options.
Anytime you need support, we've always got you covered!
What made my experience great with this…
What made my experience great with this company is that they are here when you need a helping hand as you know, the economy can have its high and lows so sometimes you’re unable to pay your bills on time but by downloading this app, you will have the opportunity to make your payments on time And not have to worry about your service being terminated I haven’t really experienced any cons so far, so there is really nothing else for me to say far as constructive criticism I thank you for the opportunity of letting me voice my opinion and hopefully in the future, I can get a bigger allowance amount to borrow lol
June 14, 2024
Unprompted review
Reply from Deferit
Hi Jasmine,
We really appreciate you taking the time to share your Deferit experience with us.
We’re truly glad to hear that we’ve been able to provide you with peace of mind, especially given the ups and downs of the economy. It’s rewarding to know we’ve been able to help you keep your bills covered without disruption.
Regarding your balance, while it may adjust from time to time due to broader economic conditions—not just individual usage, please know that your consistent use plays a key role in growing your available balance over time.
If you ever have any questions or need further assistance, don’t hesitate to reach out—we’re here to support you throughout your financial journey with us.
This App has been a life saver while…
This App has been a life saver while going through some hard times. Really helpful,easy to use and get started. I have told a bunch of people I know friends and family about the app. You can change the payment due date to fit till your next pay date.
April 25, 2025
Unprompted review
Reply from Deferit
Hi there,
Thank you for sharing your experience with us! We’re truly glad to hear Deferit has been a reliable support during challenging times. It's great to know you’ve found our processes seamless.
We really appreciate you recommending us to your friends and family–your support means a lot to us! If you ever need any assistance, feel free to reach out anytime—we're dedicated to helping you throughout your financial journey!
As a recently divorced single mother of…
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 part time position but in these times that still doesn’t seem to been enough to meet all bill expenses, keep food on the table and provide for your loved ones. Deferit has made it possible and easy for me to stay afloat without worry.
May 28, 2025
Unprompted review
Reply from Deferit
Hi Tiana,
Thank you so much for sharing your financial journey with us. It means a lot to us to hear how Deferit has helped you manage through these challenging times. We understand the incredible balancing act of working multiple jobs while caring for your family is, and we’re proud that you can rely on our services all throughout.
Your story is a powerful reminder of why we’re committed to making financial flexibility accessible and stress-free. Please don’t hesitate to reach out if you ever have questions or need assistance—we’re always happy to help and are here to support you every step of the way!
DOWNLOAD THIS APP ASAP
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 soon as u need this go to your AppStore or Googleplay and get Deferit you will not regret it!!!
May 20, 2025
Unprompted review
Reply from Deferit
Hi Marvette,
Thank you so much for sharing your seamless bill-budgeting experience with us! We're so glad to hear to hear Deferit has been a reliable tool for you and that it’s made managing bills like internet, cell phone, and car insurance easier.
We designed the app to be simple, supportive, and genuinely helpful—so it's incredibly rewarding to know it's delivering real value when you need it most.
We truly appreciate you spreading the word and being part of the Deferit community.
Title: A Lifesaver When Life Happens – Thank You Deferit!
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 interest rates or hidden fees. Just real help, right when I needed it most.
I’ve now used Deferit a few times to cover my insurance bill, and each time it’s felt like I’m finally in control of my finances. No more stressing about lapses or penalties. Just peace of mind and a solid plan to pay it off without drowning in debt.
What I love most? The app is simple, the reminders are on point, and I actually feel supported — like someone’s got my back when life throws curveballs.
Deferit didn’t just pay a bill. It helped me stay on the road, get to work, and keep my head above water. If that’s not worth 5 stars, I don’t know what is.
May 18, 2025
Unprompted review
Reply from Deferit
Hi Lesous,
Thank you so much for sharing your bill-budgeting experience with us. We're truly honored to have been there for you when it mattered most. At Deferit, helping people stay on track, without the weight of high fees or overwhelming debt, is exactly what we’re here for, and your story brings that mission to life.
We know how challenging it can be when bills and life collide, so hearing that our service gave you more control and a little more peace of mind means the world to us. We’re especially glad the app and reminders are hitting the mark—we design and improve those features with moments like yours in mind.
Thank you again for your continued support and for sharing your financial journey with us. We’ve always got your back.
Deferit has helped me so much
Deferit has helped me so much! I’m able to juggle all my bills now!
January 1, 2025
Unprompted review
Reply from Deferit
Hi Angela,
Thanks so much for sharing your bill-budgeting experience with us! We're so glad to hear that Deferit’s helped you juggle your bills more easily.
If you ever need support, don’t hesitate to reach out—we’re always happy to help!
I love Deferit
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 lifesaver, I definitely would recommend this app to everyone!
The only reason I gave it a 4 star and not 5, because I wish the membership fee was a little cheaper, maybe $10.99.
May 10, 2025
Unprompted review
Reply from Deferit
Hi Tee,
Thank you so much for taking the time to share your experience, especially for highlighting how Deferit has supported you in managing bills on your own. We're so glad to hear it's been a lifesaver for essentials like your phone, electricity, and internet!
We really appreciate your recommendation to others—it means a lot to us!
We hear you on the membership fee. Your feedback is important, and we're always looking at ways to make Deferit even more accessible. Just to clarify our current plans:
🔹 Lite – $14.99/month: Split bills into 4 installments, build credit history, and access bill negotiation
🔹 Max – $19.99/month: Everything in Lite, plus no late fees
🔹 Ultra – $24.99/month: Everything in Max, plus unlimited FREE bill negotiations
We’d love to learn more about your experience and see what we can do to earn that final star. Please reach out to us at reviews@deferit.com with your account details. We look forward to hearing from you!
Thanks again for being part of the Deferit community!
I started using Deferit a few months…
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, especially since they don’t charge interest or late fees.
The process was super easy. I just uploaded a bill (in my case, my cell phone bill), and they paid it up front while I paid them back in four installments. I really liked that it wasn’t tied to my credit score, and there was no hard credit check, which made it feel less intimidating than applying for a loan or credit card.
Overall though, Deferit helped me avoid late fees and the stress of shut-off notices. It’s not a long-term solution, but for those months when things are tight, it gave me just enough space to get by
May 12, 2025
Unprompted review
Reply from Deferit
Hi Stephanie,
Thank you so much for taking the time to share your experience! We’re glad to hear a friend pointed you our way and that Deferit gave you some breathing room when you needed it most.
Flexible budgeting is at the heart of what we do—our Pay-in-4 feature is specifically designed to help you stay on top of bills without any added stress. We're also happy to hear the process felt seamless and straightforward from the start.
Thanks again for your support. We're proud to be part of your financial journey.
I’ve been using deferit for over 2…
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 you have questions or have never used this company I’ll be honest they are the bomb no external expenses they meet you in the middle. I’ve been approved over $175 so emergencies or minor discrepancies they have you covered.
May 12, 2025
Unprompted review
Reply from Deferit
Hi Raina,
Thank you so much for being part of Deferit for over two years now—and for such an honest, heartfelt review. It means a lot to know we’ve been able to support you through tough times and help cover key bills when you needed it most. We built Deferit to meet people where they are, and we’re so glad it’s made a real difference for you.
Thanks again for your loyalty and we're always here to help!
Deferit is an excellent app to utilize…
Deferit is an excellent app to utilize in times of unexpected financial need. Their fees are minimal and they pay your bill quickly! I would definitely recommend this app to anyone needing trustworthy and reliable funding!
Sincerely,
Angela Keener
May 1, 2025
Unprompted review
Reply from Deferit
Hi Angela,
Thank you so much for the shoutout! We’re so glad to hear that Deferit has been a reliable resource during moments of financial need. Anytime you need help, we've always got you covered.
We truly appreciate your support—thanks again for trusting us!
The best!!!
Deferit has been such a savior helping me stay on top of my payments. I truly appreciate this app and the opportunities it has created for me and my family.
May 12, 2025
Unprompted review
Reply from Deferit
Hi Jasmine,
Thank you so much for the sharing your bill-budgeting experience with us! We’re thrilled to hear that Deferit has helped you stay on top of your payments and create more breathing room for you and your family. That’s exactly why we built this platform—to provide real support when it matters most.
We appreciate you being part of the Deferit community. Always here whenever you need us!
The company is not good they are not…
The company is not good they are not responsive only way they are responsive is if you try to report them, they use to be good but went down hill and the only way to contact them is by email so if something is wrong with your bill you will loose out on your money because it still have to be paid so unfortunate
May 7, 2025
Unprompted review
Reply from Deferit
Hi Kim,
Thank you for taking the time to share your feedback; we’re genuinely sorry to hear about your recent experience.
At Deferit, we aim to resolve concerns as efficiently and thoroughly as possible, which is why we currently handle support through email. This allows our Customer Heroes to review each case in detail and provide accurate solutions quickly, especially for important matters like billing.
We understand it can feel limiting when real-time options aren’t available, but rest assured that we’re committed to ensuring every issue is addressed with care and clarity.
We’d really appreciate the opportunity to assist you directly. Please send your account details to reviews@deferit.com at your earliest convenience—we’re eager to help and hopeful we can earn back those extra stars from you.
This company has help me pay my bills…
This company has help me pay my bills and help boost my score I will continue using it.
May 7, 2025
Unprompted review
Reply from Deferit
Hi Shontae,
Thank you so much for sharing your Deferit experience with us! We're thrilled to hear how our services have helped you stay on top of your bills and boost your score along the way—two things we’re deeply committed to supporting.
We’re proud to be part of your financial journey and always here if you need us.
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