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 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.

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 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.

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.