We Pay Your Bill Now, You Pay Later

Ambit Energy has partnered with Deferit to offer this secure payment option. Deferit pays your bill upfront, and you pay it back interest-free in 4 smaller payments.

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4.8

24k+ Reviews

4.5

17k+ Reviews

Monthly membership applies, cancelable anytime. Payments incur a 99c processing fee. Most customers start with a balance of $100-$400. Few customers qualify for $500. Balance may increase with good payment behavior.

How it works

Create an account and upload your Ambit Energy bill in minutes. Start with a balance of $100-$400 to pay bills.

Join Deferit Sign up and become a Deferit member.

Upload your Ambit Energy bill Take a photo of your bill or upload it as a file.

We pay your bill now Deferit pays your bill. You pay it back in 4 smaller interest-free payments, once every two weeks.

Get started

Your information is protected. Data is transmitted securely in an encrypted format and stored on a secured service.

Deferit reporting bill payments to Experian, Equifax and TransUnion

Bill Pay that helps build credit history

Get recognized for paying on time. Your everyday payments are reported to TransUnion®, Experian®, and Equifax®, so good habits help build your credit history.

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Your Ambit Energy bill is just the start

We've paid over 2 Million bills

Water

Wireless

Insurance

Energy

DMV

Healthcare

And more!

See what Deferit customers are saying.

4.8

App Store 24k+ Reviews

4.5

Google Play 17k+ Reviews

REAL CUSTOMER REVIEWS

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.

SM Sara

Excellent!

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...

EW Emma

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.

AS 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!

BH Benjamin

Frequently asked 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?

There’s a simple $14.99 monthly membership fee, and you can cancel anytime.

Once you upload your bill:

Choose when you’d like us to pay it and the amount.
On your chosen date, we pay your bill upfront and you make your first installment.
You repay us the remaining 3 installments, once every two weeks.
You can change repayment dates up to two weeks later to suit your schedule.

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?

That’s right. We don’t charge interest! How do we keep the lights on? There’s a simple $14.99 membership fee. Payments incur a 99c processing fee.

Will this impact my credit score?

Signing up for Deferit does not impact your credit score. When you pay for a membership, we perform a quick soft inquiry to verify your identity, which does not leave any marks on your credit file. However, your usage and payment history with us may affect your credit over time. Consistently making on-time payments can positively impact your credit score, as we report your payment history to the credit bureaus. Late payments can negatively affect your credit score.

When should I pay my Ambit Energy bill to avoid a late fee?

To help ensure your payment is received on time, we recommend uploading your bill and making your first installment at least one day before the due date. This allows adequate time for your payment to process. And if your bill is paid late due to an error on our end, Deferit’s Late Fee Protection means we’ll cover the late fee charged by Ambit Energy.

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!