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What is Deferit?

Deferit aims to enable individuals to gain mastery over their financial situations. This bill budgeting and payment service, utilized by over 550,000 users to enhance their cash flow, has successfully facilitated payments exceeding $400 million while helping clients avoid more than $39 million in late fees and penalties from billers.

Users can choose to pay upfront or divide their payments into four manageable installments. Every bill payment contributes positively to building credit history, and the service operates without interest charges or late fees, relying instead on a straightforward subscription model. With various payment options available, including ACH, Check, and Credit Card, all it takes is a simple photo of the bill to let Deferit handle the rest seamlessly!

Pricing

Price Starts At:
$14.99
Free Version:
Free Version available.

Integrations

Offers API?:
Yes, Deferit provides an API
No integrations listed.

Screenshots and Video

Company Facts

Company Name:
Deferit
Date Founded:
2018
Company Location:
United States
Company Website:
deferit.com
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Product Details

Deployment
SaaS
iPhone
iPad
Android
Training Options
Documentation Hub
Support
Standard Support
Web-Based Support

Product Details

Target Company Sizes
Individual
1-10
11-50
51-200
201-500
501-1000
1001-5000
5001-10000
10001+
Target Organization Types
Mid Size Business
Small Business
Enterprise
Freelance
Nonprofit
Government
Startup
Supported Languages
English

Deferit Categories and Features

  • Reviewer Name: A Verified Reviewer
    Position: Retail Associate
    Has used product for: 2+ Years
    Uses the product: Yearly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Deferit

    Date: Feb 08 2024
    Summary

    Decent-Seems like a good service overall. App is easy to navigate.Although the communication needs improvement, a support representative does eventually respond to inquiries and does help to get questions answered, issues resolved, rescheduling done, or payments updated.

    Positive

    Helped with bill, The option to upload more than one bill or several bills at a time is helpful if needed. The app is easy to navigate and seamless with how Deferit app users can upload bill(s).The FAQ's help when app user has inquiries.

    Negative

    Communication from Deferit was not as quick as I would've liked after bill was uploaded. Deferit payment did not post until after bill was actually due. The app did not offer an option to reschedule payments. Occasionally takes a while to get a response back from an inquiry made about a bill upload or scheduled payment. There is currently no customer service support phone number.

    Read More...
  • Reviewer Name: Taria S.
    Position: Customer service
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    I love This app

    Date: Aug 04 2024
    Summary

    My experience is great, I was able to upload my power bill easy and was able to pay it. It was paid right then and there. Now I am current with all of my bills. I just hope that they will up limits more. Thank you again Deferit for saving me.

    Positive

    I love how they are very fast with helping you pay your bill. I was stuck in between looking for work. I was able to pay the 14.99 fee and was able to upload my bill and have my bill paid. Using Deferit helped get caught up with my bills. I am very satisfied with Deferit. I want to thank you all for such great service. Hopefully one day you will up my spending limit so I can pay more bills.

    Negative

    They are great just need higher limits. Thank you just a suggestion.

    Read More...
    Official Deferit Response
    Date: Sep 04 2024
    Hi Tarla! Thanks for sharing your Deferit experience with us! We’re happy to hear that uploading and paying your power bill was easy and that you’re now current with all your bills. Continuous use and on-time payments can help increase your limit over time. If you need assistance, just give us a shout. We’re always here for you!
  • Reviewer Name: A Verified Reviewer
    Position: Mechanic
    Has used product for: 6-12 Months
    Uses the product: Weekly
    Org Size (# of Employees): 20,000 or More
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Absolutely love it

    Updated: Jan 24 2024
    Summary

    I am very happy and highly recommend them to everyone that needs help with their finances. Amazing customer service!

    Positive

    They are amazing and have a great team that is ready and willing to help you with anything. I highly recommend them to anyone who needs help to catch up with their bills. I am so grateful and thankful for their service. Bella is amazing and helped me with my account. She really helped me out when I needed it the most. Thank you Deferit.

    Negative

    There are no cons I am completely happy for everything they have to offer. The payments are really affordable. They help me so much.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: User
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Frauds!!!!!

    Date: May 02 2024
    Summary

    Never again. I wouldn't recommend Deferit to a dog!

    Positive

    Absolutely nothing!

    Negative

    Frauds!!!! These people prey on the not so fortunate and you will never here from them again matter of fact after you sign up (pay their fee) and then boom!!! They lock your account reminds me of the movie bee keeper just a call center full of low lifes scamming people!!! Get a real job losers.

    Read More...
    Official Deferit Response
    Date: May 07 2024
    Hi There! We are sorry to hear about your recent Deferit experience. We're here to lend a hand and ensure your account is sorted out promptly. Simply shoot us an email with your Deferit account details, using "AttentionReview" at contact@deferit.com We've got your back, and we're eager to hear from you soon! Your trust means everything to us, and we'll be here every step of the way to ensure your concern is resolved to your satisfaction.
  • Reviewer Name: Evelyn B.
    Position: Insurance Agent
    Has used product for: 1-2 Years
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Convenient and Efficient

    Date: Jan 27 2024
    Summary

    Satisfied customer. Definitely recommend.

    Positive

    I love the flexibility of this product when navigating budgeting and bill paying. The app helps make this product convenient to use.

    Negative

    I wish the subscription payments were less or broken out in flat rate increments per installments, add $4-$5 to each installment payment. Or maybe have the ability to amend the subscription due date. I’d also to see a monthly statement. For example what you send to the credit bureau.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Posting
    Has used product for: 2+ Years
    Uses the product: Monthly
    Org Size (# of Employees): 100 - 499
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Love this app and service!

    Date: Mar 24 2024
    Summary

    Great app, great service! I have only had one issue and customer service was very efficient and solved my issue quickly!

    Positive

    Customer service is quick and solved my problem without any issues. If I am short on a bill, I love that I can take some extra time to pay it! I also love that I can change the date to allow extra time if needed!

    Negative

    None, it’s a great service! Well worth the monthly fee!

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Nurse
    Has used product for: Free Trial
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    SCAM DO NOT TRUST

    Date: Feb 09 2024
    Summary

    Because of Deferit I have had to replace 3 debit cards through my Financial institution!!! I have asked!! I have begged!!for Deferit to stop taking from me!! And they want That is very bad business!! They say you can live chat Not true at all!! All you get is an answer machine!!And know I’m starting to think that they do not have human emailing or replying!! Because they will not stop taking from me!! I mean what business takes 5 withdraws in one month?? And it may be more!! I didn’t sign up for Deferit for a reason and I wouldn’t do business with Deferit!! I am tired of this nonsense I will be posting a review.. It’s a scam!!

    Positive

    N/A.

    Negative

    I’m am replying just like I have been and emailing Deferit to stop fraudulent withdrawing funds out of my account for a subscription fee that I never signed up for nor did I want to become a member!! And this Deferit is still withdrawing funds!

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Lead Care Provider
    Has used product for: 1-2 Years
    Uses the product: Daily
    Org Size (# of Employees): 500 - 999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Deferit is great

    Date: Jan 05 2024
    Summary

    Very good. It help me a lot not to get behind on payments, and the app it's very easy to use. Customer service is very diligent helping your issue.

    Positive

    I have been a customer to Deferit, and it helps me a lot, i want to give a shout out for Veronica 👌👌👌for helping me resolved my payment issue, she is great on giving me solution on my situation and she made it happened, after all of my payment resolutions I will still recommend Deferit.

    Negative

    There's no customer representative for taking telephone calls. Other than that i love to use Deferit.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Quality analyst
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 20,000 or More
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Best bill paying credit building app

    Date: Oct 27 2023
    Summary

    Been using Deferit for a few months & it’s helped pay my bills on time while saving & building credit.

    Positive

    Helps with credit building & has affordable installments. This app has helped me budget & credit build. Customer service is amazing as well!

    Negative

    There isn’t 1 negative thing I have to say about the app.

    Read More...
  • Reviewer Name: Bobbie R.
    Position: Retired
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 500 - 999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Deferit Review

    Date: Oct 27 2023
    Summary

    My experience has been exceptional. It has help me to pay my bills in a more timely manner. That alone is enough.

    Positive

    I’m so impressed with Deferit’s service. It has been so helpful and offers such a much needed relief and support for me. Their customer service is superb and reliable. I’m always so happy to refer them to my friends and family.

    Negative

    I don’t have any negative thoughts about the company. The only thing that would be helpful is to use would be higher limits.

    Read More...
  • Reviewer Name: Tanisha T.
    Position: HIM Professional
    Has used product for: 1-2 Years
    Uses the product: Weekly
    Org Size (# of Employees): 20,000 or More
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    The real lifesaver

    Date: Oct 27 2023
    Summary

    Overall Deferit is very helpful in the time of need. They are a lifesaver to your lifestressors! When times are tough and a bill needs to be paid, deferit is the way to go.

    Positive

    I like how quickly the bill gets paid.
    I like the support with payments if need to be adjusted.
    I like how easy it is to manage the app.
    I like the prompt customer support.
    Credit reporting. Has helped my credit score.

    Negative

    No service in Delaware.
    I can't refer people because most of them reside in Delaware.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Retail Sales
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 20,000 or More
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Dorthia Brown

    Updated: Oct 30 2023
    Summary

    My overall experience with Deferit has been an amazing and rewarding experience. I am learning to live a productive lifestyle with the help of Deferit. I am truly amazed that I can manage my income , pay my bills on time, and feel free to live my life again.

    Positive

    Deferit has helped me tremendously with Budgeting and paying my bills on time. The company has helped me become budget conscious and I am learning to Love and enjoy my new lifestyle. In addition, the heroes at Deferit work tirelessly to get bills paid on time and to respond to questions and needs of their clients. I am proud to be a part of a company that has improved my life. Therefore, I highly recommend Deferit to those who are looking to Budget their Bills and get them paid on time.
    Thank you Deferit,

    Negative

    I would like to see Deferit implement an express mailing system for those bills that require payments via mail. The reason Deferit needs this express mail system in place instead of relying on a 10 day mailing system is for the following reasons:
    1. Will Never have to depend on mail being delayed or lost.
    2. Express Mail is documented and have to be delivered in a timely fashion
    3. Deferit Heroes will spend less time on reimbursing, contacting companies and tracking down payments.
    4. Deferit Heroes will spend quality time with their clients.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Associate
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    So helpful

    Date: Oct 27 2023
    Summary

    Awesome way to make it through getting bills paid and still survive everything else that needs taken care of.

    Positive

    They helped me keep my electric on with AFFORDABLE payments, broken down into 4. Would recommend to everyone trying to get through life.

    Negative

    Not a single thing. There is nothing to complain about, they show you what the payments will be and all you do is accept.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Home
    Has used product for: 2+ Years
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Deferit- easy to use

    Date: Oct 27 2023
    Summary

    Overall this has been a good experience. I would 100% recommend, and I’m glad a service like this exists.

    Positive

    I love Deferit I use it for all my electric and cable bills. It’s so easy to use, and takes a lot of stress away.

    Negative

    Sometimes you have to accept/confirm the payment, and sometimes you don’t.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Teacher
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Deferit review

    Date: Oct 29 2023
    Summary

    I am so pleased with the service and the easy way to navigate around. The customer service team always gets back to me in a timely manner.

    Positive

    Easy to use app.
    Flexible payback system.
    Good customer service.
    Great service to have.
    I truly love this service and all it has to offer I’m 110% pleased.

    Negative

    I don’t have any cons, they offer everything I need and it’s very easy to navigate around.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: User
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Great service

    Date: Oct 27 2023
    Summary

    Great service. Very handy when you are short on cash to get bills covered. Easy process and quick payment to the company.

    Positive

    Quick and easy process. Great to keep up with bills if money is short. Quick payment option and quick payment.

    Negative

    Had to pay out if pocket to get started. Tough to pay if your behind at that time.

    Read More...
  • Reviewer Name: Natasha B.
    Position: Owner/operator
    Has used product for: 2+ Years
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    What i think about Deferit

    Date: Oct 27 2023
    Summary

    Very pleased with this app. Deferit has really saved me when i was down and out. I could always turn to Deferit and get my issues solved and paid. If i needed to push the date back a week or two it wasn't a problem. They have much respect and trust.

    Positive

    Timely.
    Trust.
    Amount Allowed.
    Dependable.
    Respectful.
    Affordable.
    Reliable.
    Easy to be approved.

    Negative

    There is no Cons on my end . I have beed pleased with the use of Deferit. I have not had and problems with them but one and it wad resolved in a timely matter.

    Read More...
  • Reviewer Name: Kim H.
    Position: Teacher
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Deferit is a life saver!

    Date: Oct 28 2023
    Summary

    I count on Deferit to pay my most essential bills! I honestly don’t know what I would do without during these hard times. My husband and I have been having financial hardships and Deferit has helped us survive.

    Positive

    I have been using Deferit to pay my bills for the past two years. I mostly pay my electric, water and cable/phone bills with it but have also used it for car insurance and others. What I like most about Deferit is it is so quick and easy to use. I use the app, to upload my bills and also see my payments. I screenshot my bill, upload it and that’s it! It is paid within the hour most of the time.

    My balance has increased several times so that I am able to use it more. Even when my payment method doesn’t go through they are good about communicating immediately and I can fix it. I am so thankful for Deferit for allowing me to pay my bills in smaller chunks making it more manageable. Each bill I upload is divided into 4 equal payments. I able to split the payments to align with my paychecks. It is completely worth the monthly fee.

    Negative

    I would like my balance to increase more. Or have a feature to request a balance increase.

    Read More...
  • Reviewer Name: Krystal H.
    Position: Teacher
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 1,000 - 4,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Very useful

    Date: Oct 27 2023
    Summary

    Fast bill payment and positive customer service. I’ve only had to call once but they fixed the situation fast. No issues so far.

    Positive

    I’ve had positive results and my credit limit has gone up with this company. I’ve been using them for a year and have no complaints.

    Negative

    The fee! I’m not a fan of fees and it’s not a huge fee, but that’s the only con so far

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Claims Representative Associate
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 20,000 or More
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Amazing bill pay app

    Date: Oct 27 2023
    Summary

    I love this app so much. It has truly been a life saver. Most of the bills are paid within an hour or 2 within submitting and some even faster then that. Being able to break my bills into smaller payments has really helped.

    Positive

    Being able to split the bills into smaller payments. Being able to adjust the payment date if needed. Bills are paid fast.

    Negative

    Nothing bad to say. Some bills have to have checks sent out which can take about a week but that’s not the app’s fault it’s more of a biller issue

    Read More...
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