Pay your Optus bill in 4 instalments
Interest free. No late fees.
Deferit pays your phone bill upfront, while you pay it back in 4 fortnightly instalments!Get started
Pay later in four easy
Need flexibility? Make your budget go the extra distance by paying in instalments.
Goodbye late fees,
hello pay on time discounts
Lock in all the benefits of paying bills on time and watch those savings stack up!
The fastest and easiest
way to pay any bill
Simply take a photo of your bill and we take care of the rest! Whether BPAY, Bank transfer, or online.
Get started in 3 simple steps
Upload a bill
Snap a photo of your bill, choose how much to pay, and get instant confirmation.
We pay your bill
We pay your biller the full amount chosen upfront while you pay it in instalments.
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 any type of bill with Deferit
We've paid bills of all shapes and sizes. Always interest free, no late fees.
TAS MV Registration
Strata & Levies
Plumbers & Electricians
Council & Rates
Fines & Infringements
Dept Home Affairs
Department of Education
And many more!Get started
You're in great company!
But don't take our word for it, see what other people are saying!
Frequently asked questions
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.