Split any bill in 4 today

Always interest free, no late fees

No impact to your credit score

Never pay a late or overdraft fee again

Enjoy flexible payment dates

You're in great company!

But don't take our word for it, see what other people are saying!

Where is the 10 star rating. This business is amazing. I have used them for 4 bills and it's a life saver. Easy to get a hold of with no nasty surprises makes budgeting so much easier.

Sara

Sceptic at first with nothing to lose, but the website and the App works exactly as described - have now paid a few bills with ZERO issues. The bills have been paid on the date requested...

Emma

Excellent system that allows you to pay your bills on time during difficult situations. They only charge a reasonable monthly charge! Have been using it to pay phone and electricity...

Maddy

What a great service! Easy to use, nothing hidden, all is as they say it is. Great to know it is there when you need it. Highly recommend Deferit.

Adam

Deferit is user friendly! It has saved me from late fees on outstanding bills and I no longer stress about bills. I recommend it to all my family and friends. Great service!

Benjamin

Questions?

Find out more about how Deferit works.

How does Deferit work?

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!

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 installment 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 $9.99 simple subscription fee for up to $2,000 of balance to pay bills. This fee is taken with your first installment and then on the 1st of the month.

Will this impact my credit score?

Deferit has no negative impact on your credit score! When you pay your first bill we perform a quick soft inquiry which leaves no marks on your credit file. This allows us to verify your identity and offer bill payments for your account.

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!