Pay your Synergy bill in 4 instalments

Interest free. no late fees.

Deferit pays your energy bill upfront, while you pay it back in 4 fortnightly instalments!

Try it out - no lock in!
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Pay in 4 instalments

Pay in 4 instalments

Managing multiple bills at once can be challenging, smooth them out by paying in 4 interest-free instalments!

Quick, easy and secure way to pay bills

Quick, easy and secure way to pay bills

Upload your bill and we take care of the rest! Track all your bills in one easy location.

No more late fees, save on pay on time rewards

No more late fees, save on pay on time rewards

We’ll pay your bill on time so you never have to pay a late fee again. Watch those savings stack up!

How it works

Upload a bill

Upload a bill

Snap a photo or upload a pdf of your Synergy bill, choose how much to pay, and get instant confirmation.

We pay your bill

We pay your bill

We pay Synergy the full amount chosen upfront while you pay it in instalments.

Pay it back in 4

Pay it back in 4

We split the cost of the payment into 4 instalments every two weeks. Always interest-free. No late fees.

Pay my Synergy bill
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Pay any bill with Deferit

We’ve paid bills of all shapes and sizes.
Always interest free, no late fees.

Electricity

Electricity/Gas

Origin Energy

AGL

Synergy

EnergyAustralia

Alinta Energy

Electricity

Rego

TMR Registration

ServiceNSW

WA Transport

VicRoads

TAS MV Registration

Electricity

Insurance

QBE

NRMA

AAMI

GIO

Allianz

Electricity

Telco

Telstra

Optus

Vodafone

Woolworths Mobile

Primus Telecom

Electricity

Home

Foxtel

Home Maintenance

Water

Strata & Levies

Plumbers & Electricians

Electricity

Government

TMR Payments

Council & Rates

ATO Payments

Fines & Infringements

Dept Home Affairs

Electricity

Health

Bupa Health

Health insurance

Dental care

Chiropractic

Physiotherapy

Electricity

Education

Department of Education

Childcare

Early Learning

Dance/Music lessons

Sport

And many more!

Get started

What our customers say

Review stars

Arjun M.

Review stars
Excellent system that allows you to pay your bills on time during difficult situations. They only charge a reasonable monthly fee! Have been using it to pay phone and electricity bills so far. App is user-friendly! The notifications of upcoming deductions as well is very helpful. Overall excellent service..Love it 😍
Review stars

Sarah T.

Review stars
Deferit helps to ease the burden when a bill comes up that you can't afford to pay all in one go. I have used this service for years now and I absolutely love it. You can use it to pay all kinds of bills such as phone, internet, electricity & car registration. What a fantastic service!

Questions?

Find out more about how Deferit works.

questions

How does Deferit work?

Deferit is an interest-free payment and budgeting tool for bills. We pay your bill upfront, and you pay it back in 4 flexible instalments. Simply upload your bill, and we’ll take care of the rest.

When and how much are payments?

When uploading your bill, you specify the date for us to pay your bill and the amount you would like us to pay on that date. Your 4 payments begin on this date and we take the first instalment whilst paying your bill upfront and in full. This includes our subscription fee if you don’t have an active subscription.

How do I upload a bill?

Paying a bill has never been easier! Simply click the “Upload a bill” button when logged in to our website or mobile app, snap a pic of your bill or upload from your library/files. Specify the amount and date to pay your biller and that’s it!

Is there really no interest or late fees?

That’s right. We don’t charge interest and we don’t believe in late fees! How do we keep the lights on? There’s a $5.99 monthly fee for up to $2,000 of balance to pay bills. This fee is taken with your first instalment and then on the 1st of the month if you have active bills with us at that time. You only pay the monthly fee if you have active bills.