Split bills into 4 smaller payments with Deferit.
We pay your bills now and you pay us back later. Eligible Western Union customers have exclusive access to a higher balance. +$100 bonus balance
Terms apply.
We've paid over 1.5 Million bills
Water
Wireless
Insurance
Power
Healthcare
DMV
Schooling
Vet
And more!
Pay almost any bill in 4 smaller payments
Create an account, upload a bill in minutes and let us do the rest. Start with $100–$400 to split bills into 4 interest-free payments.
Save money on your bills over time
Send us bills you want lowered and leave the rest to us. Our experts do all the hard work to get you the best deals.
The most we've saved is $1,180. See what you can save.
Bill pay that helps build credit history
Make the most of your bills by getting everyday payments reported to TransUnion®, Experian®, and Equifax®.
The average member improves their credit score by 30 pts in 3 months.
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.
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...
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.
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!
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 membership fee you can cancel at any time. 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.
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. 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.
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!
