We Pay Your Utility Bill. You Pay Us Back Later.
Pay utility bills online. Interest free. No late fees.
Deferit covers your utility billing upfront, while you pay it back in 4 installments, once every two weeks!
Get started
Monthly membership is $14.99, cancellable anytime. First month cost is $29.98 incl. the application fee. Payments incur a 99c processing fee. T&Cs and Eligibility Criteria apply.
Pay later in four easy
payments
Need flexibility? Make your budget go the extra distance by paying in installments.
Build your credit history
Each payment is reported to credit bureaus to help build credit history. A good credit score helps with better loans, credit cards and more!
The fastest and easiest
way to pay any bill
Our payment method is easy! Simply take a photo of your bill and we pay it. Whether paid online, by ACH, or by check.
How it works
Upload a bill
Snap a photo of your utility bill, choose how much to pay and get instant confirmation!
We pay your bill
We pay the provider directly and the full amount chosen upfront. You pay us back in installments.
Pay it back in 4
Enjoy the convenience of paying us back in 4 installments, charged every two weeks. Interest-free. No late fees.
Pay any type of bill with Deferit
We do Utility bill pay and more! Whether it is a one time payment or regular bill payments! We've paid bills of all shapes and sizes. Always interest free, no late fees.
Phone and Internet
Verizon
AT&T
T-Mobile
Xfinity
Sprint
Electricity and Gas
Duke Energy
Georgia Power
Entergy
Florida Power
Alabama Power
Insurance
Progressive Auto
State Farm
Allstate
The General Insurance
Direct Auto
Health
Dental care
Chiropractic
Myotherapy
Pyschology
Physiotherapy
And many more!
Get startedYou're in great company!
But don't take our word for it, see what other people are saying!
Actual customer review
Actual customer review
Actual customer review
Actual customer review
Actual customer review
Frequently asked questions
Deferit is an interest-free bill payment and budgeting tool. With the Pay in 4 feature we pay your bill upfront and you pay it back in 4 flexible installments. 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!
There’s a simple $14.99 membership fee you can cancel at any time. The first month cost is $29.98 including an application fee. 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 whilst 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!
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 $14.99 simple membership fee for up to $2,000 of balance to pay bills. First month cost is $29.98 incl. the application fee. Payments incur a 99c processing fee.
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 does not leave any marks on your credit file. 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 your payment history 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!
