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      Pay bills in 4 Pay eligible bills in 4 smaller installments
    • Credit builder icon
      Bill Pay Build credit history with eligible payments
    • Bill savings icon
      Bill Savings Our experts negotiate your bills for you
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Help Center › Getting Started

Getting Started

Learn the basics of Deferit, including how the service works, eligibility, and what types of bills you can upload.

Getting Started Guide

  • Are there late fees?
  • What is Deferit and how does it work?
  • What types of bills can you negotiate?
  • Who can use Deferit?
  • How long does bill negotiation take?
  • How much does Deferit cost?
  • What happens if my bill can't be lowered?
  • What is the difference between Bill Pay, Pay in 4 and Pay in 2?
  • What is Bill Pay and how does it work?
  • When is my first Pay in 4 balance due?
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© 2026 Deferit. All rights reserved.
Deferit is located at 780 3rd Ave, New York, NY 10017, US

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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. Amounts shown cover the bill only. Membership, application and processing fees are additional. A security deposit may also apply to Pay in 4. New customers: Pay in 4 starting limits $100–$500 (avg. $200). Averages based on the last 12 months. Available balances vary by customer. Approval and balance increases are not guaranteed.
  • How it works icon
    Pay bills in 4 Pay eligible bills in 4 smaller installments
  • Credit builder icon
    Bill Pay Build credit history with eligible payments
  • Bill savings icon
    Bill Savings Our experts negotiate your bills for you
  • About Us
  • Help Center
  • Business
  • Get started
  • Login