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The amount approved for a bill may differ from the amount you submitted. This depends on factors such as approval criteria, your available balance, and your repayment and payment movement history.
Common reasons we adjust a bill amount
- Your available balance is lower than the bill total. We may part-pay or approve a lower amount based on your limit.
- You’re new to Deferit. New accounts may start with smaller approved amounts that grow with on-time repayments and consistent usage.
- Bill details or status impact what we can pay. Missing info, overdue fees, or biller restrictions may reduce the payable amount.
- Your repayment and payment movement history. Frequent changes to scheduled payments, such as moving them multiple times, can affect your limit, similar to missed or late repayments.
Pay Extra limits
These limits mean you can add your own funds to your available balance to have your bill paid.
- First-time users: Can pay up to $200 extra toward a bill.
- Existing users: Can pay up to $1,000 extra toward a bill (subject to account history and limits).
What are my options?
You can pay your bill using the following products: Pay in 4, Pay in 2 or Bill Pay (Pay in 1). Pay in 2 and Pay in 4 are subject to approval criteria and your available balance. For more information, please refer to “What is Deferit and how does it work?”
How to proceed
- Review the adjusted amount in the app or website.
- Select your preferred option.
- Confirm your installment payment plan and submit.
Tip: Pay on time, keep your account in good standing, and minimize changes to scheduled payments. These factors may help increase your available balance over time.