Deferit - pay bills online
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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

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You're in safe hands

Join over 500,000 users discovering a better way to budget and pay their bills.

4.9 Review star out of 2,281 reviews Social icon
Google
Review stars
I'm very lucky to have found Deferit. It's a very good tool to help break down bigger quarterly bill to smaller repayment. The staff at Deferit are very friendly. They makes you feel valued and also ready to help you when you call them or email them. Highly recommended to everyone.
-Sarah L.
Google
Review stars
Love how easy this is to use. It has helped us big time in catching up on bills Fast and easy application and bills approved in a matter of a few hours. Can't fault these guys. Highly recommended A+.
-Kylie H.
Google
Review stars
Such a great experience. Sometimes you need help with finances, and this just makes my life so much easier! Thank you Thank you Thank you. Truly amazing.
-Rhiannon M.
Google
Review stars
Deferit has made my life so much easier!! While trying to budget is all well and good. Sometimes unexpected things come up and Deferit can save the day! Easy to navigate and very helpful! Highly recommend!
-Rachael O.
Google
Review stars
Fantastic service. Can’t recommend enough. Incredibly accommodating to suit one’s pay cycle. Flexible with payments and the staff in the call center are incredibly helpful and friendly.
-Tayla J.
Google
Review stars
This company needs to win an award for its dedication to its customers. Such an easy process to pay bills split over 4 payments (which makes life much easier). Have used many many times and will continue to use this amazing company.
Thanks Deferit...
-Chris L.
Google
Review stars
Love Deferit life has never been so good. Less stress since l started using it with bills being paid on time and budgeting made easier. Couldn't be happier with deferit and their service. 😃
-Jenny N.

Questions?

Find out more about how Deferit works.

questions

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 $7.99 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!

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The Deferit "Pay in 4" feature is available in all states except for Delaware, Idaho, Indiana, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Rhode Island, South Dakota, Washington and Wisconsin. The Pay it feature and our bill management platform are available in all states.
  • How It Works
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