We Pay Your Utility Bill. You Pay Us In 4 Smaller Payments
1Pay utility bills online.
Deferit pays your utility bill, while you pay it back in 4 smaller payments, once every two weeks.1
Get started
Pay in 4
smaller payments1
Need flexibility? Make your budget go the extra distance by paying in installments.
Build your credit
history3
Eligible payments with Deferit are reported to credit bureaus to help build credit history.
Take a photo of your bill
to pay it
Simply take a photo of your bill to submit it for payment.1
How it works
Upload a bill
Snap a photo of your utility bill, choose how much to pay and we'll let you know once it's approved.
We pay your bill
We pay your provider the full amount you choose.
Pay it back in 4
Enjoy the convenience of paying us back in 4 smaller payments, charged every two weeks. First payment may be required upfront.
Pay many types of bills with Deferit2
Deferit pays your utility bill and many other types of bills. Whether it is a one time payment or regular bill payments!
Phone and Internet
Verizon
AT&T
T-Mobile
Xfinity
Spectrum
Electricity and Gas
Duke Energy
Georgia Power
Entergy
Florida Power & Light
Alabama Power
Insurance
Progressive
State Farm
Allstate
GEICO
Direct Auto
Health
Dental care
Hospital bills
Doctor visits
Health insurance
Physical therapy
And many more!
Get startedYou're in great company
But don't take our word for it, see what other people are saying!
Deferit really helps take the pressure off.
The reminders, the simple setup, and the flexible payment options make managing my bills so much less stressful.
Super helpful and easy to use
The app is easy to use, and being able to split my bill payments into smaller amounts has made managing my budget so much easier.
Thank you, Deferit.
When an exceptionally high utility bill came due from unexpected frigid weather, Deferit was there to provide relief.
I love Deferit.
I use Deferit to help with my phone bill and I've done that for many, many months. And now I just used it to pay my internet bill.
At first I thought it was a gimmick!
Once I got the app it was so easy and simple to use while paying bills. Deferit paid two of my bills in one month! Best decision I ever made by trusting Deferit.
Frequently asked questions
Deferit is a bill payment and budgeting tool. With the Pay in 4 feature we pay your bill and you pay it back in 4 smaller payments. Simply upload your bill and we’ll take care of the rest. If you don’t want to split your bill into installments but want to pay bills by card in one convenient location, our Pay in 1 feature allows you to simply take a photo of the bill you want to pay, pay the amount via Deferit and we pay the bill for you. We’ll even mail a check for you if your biller requires it!
Membership is $14.99–$24.99/month and renews monthly until cancelled. There is a $1.99 application fee, even if declined. Processing fees apply. 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 installment while paying your bill upfront and in full.
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!
Membership $14.99–$24.99/month; renews monthly until cancelled. $1.99 application fee, even if declined. Processing fees apply. First payment may be required upfront. Some customers may be subject to a security deposit, confirmed after application. Subject to approval; selected states. Terms apply. You can cancel anytime, directly in the app or online.
Signing up for Deferit does not impact your credit score. When you pay for a membership, we perform a quick soft inquiry to verify your identity, which doesn’t affect your credit score. However, your usage and payment history with us may affect your credit over time. Consistently making on-time payments can positively impact your credit score, as we report eligible payments to the credit bureaus. Late payments can negatively affect your credit score.
Still have more questions?
Search our comprehensive Help Center to find your answer. If you’re still stuck, reach out to our expert Customer Heroes who are always happy to help!
