Pay your Spectrum bill in 4 installments
Pay Online. Interest free. No late fees.
Deferit pays your Spectrum bill upfront, while you pay it back in 4 installments every two weeks!Get started
* Check your bill looks like this to ensure you are really paying Spectrum. If you use Deferit to make a payment to Spectrum we check the legitimacy of the bill and payment details. We guarantee all online payments made through Deferit will go to Spectrum.
Pay later in four easy
Need flexibility? Make your budget go the extra distance by paying in installments.
Build your credit history
Each payment is reported to credit bureaus to help build credit history. A good credit score helps with better loans, credit cards and more!
The fastest and easiest
way to pay any bill
Our payment method is easy! Simply take a photo of your bill and we pay it. Whether paid online, by ACH, or by check.
How it works
Upload a bill
Snap a photo of your Spectrum bill, choose how much to pay and get instant confirmation!
We pay your bill
We pay Spectrum the full amount chosen upfront. You pay us back in installments.
Pay it back in 4
Enjoy the convenience of paying us back in 4 installments, charged every two weeks. Interest-free. No late fees.
Pay any type of bill with Deferit
We do Spectrum bill pay and more! We've paid bills of all shapes and sizes. Interest free, no late fees.
Phone and Internet
Electricity and Gas
The General Insurance
And many more!Get started
You're in great company!
But don't take our word for it, see what other people are saying!
Frequently asked questions
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.