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 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.

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!

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 $9.99 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.