Leader badge

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
Edit This Page

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: Lead
    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

    Review

    Date: Oct 27 2023
    Summary

    I recommend it to everyone I know. I love that this app is available and very helpful. And always there when I need it.

    Positive

    The piece of mind that my bills are paid when I don't have it all at once. And how easy it is to use.

    Negative

    There is nothing I don't like about it at this time.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Teacher
    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

    Great service

    Date: Oct 27 2023
    Summary

    I’ve had great experiences since I’ve had the deferit app. Love the quick & easy approval & the easy access to change payment dates & make any changes to cards.

    Positive

    I absolutely love the deferit app! It’s so convenient & quick & easy to use. When you’re short on funds it’s helpful at making payments in installments for my utility bills.

    Negative

    I have not found anything that I dislike on the deferit app . Been completely satisfied with the services .

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Driver
    Has used product for: Less than 6 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

    Good product

    Date: Oct 27 2023
    Summary

    Just started, good so far. I would recommend to anyone that is facing a financial hardship this is a great app to use.

    Positive

    You need more time to pay this is convenient. This a great tool if you don't have all of funds at one time.

    Negative

    No cons yet. I just recently started using the app nothing negative to say at this time.

    Read More...
  • Reviewer Name: Stephen P.
    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

    Thank you Deferit

    Date: Oct 27 2023
    Summary

    Deferit makes it easier to pay a bill in full that may not be able to be paid on time. It's a true stress relief.

    Positive

    Deferit has helped me so much for several months. Times have been tough but with Deferit's process, things have so much less stressful. Knowing a bill will get paid in full relieves so much stress. Their customer is always very helpful and quick. In this day and age, that's really appreciated.

    Negative

    Honestly there isn't much to not like. Such a wonderful company.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Pharmacy Technician
    Has used product for: 1-2 Years
    Uses the product: Weekly
    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

    Deferit is a lifesaver for a single mom!

    Date: Oct 27 2023
    Summary

    My overall experience using this app has been phenomenal! Without deferit my bills would not be able to get paid or my kids would have to go without until my next paycheck. It’s helped me be able to still pay my bills and have leftover cash for things my kids need. Being a single working mom is not easy at all! I work full time and can barely make ends meet. I budget and save money anywhere I possibly can. I coupon and buy things on sale etc. just to try and save a dollar anywhere possible. I make sure my kids always have everything they need but also try to make sure bills are always paid on time. Deferit has definitely helped me be able to pay bills on time when I am short on money.

    Positive

    I love that I can have a peace of mind knowing my bills can still be paid and won’t leave me with nothing. As a full time working single mom of 3 kids I live paycheck to paycheck. Knowing my bills are paid and I can stretch it over 4 paychecks is so helpful! I would either not be able to pay my bills or would be left with nothing to use for gas or things my children need until I get paid again. Deferit has been a lifesaver for me and I don’t know what I would do without it! Whoever created this is genius and I wish I could personally thank them for this wonderful idea!

    Negative

    The only thing I have had issues with is trying to pay my auto insurance using deferit. I would really like to be able to use it for that and I have not had any luck. It tells me it can’t be paid.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Authorization Specialist
    Has used product for: 6-12 Months
    Uses the product: Weekly
    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

    Deferit for all

    Updated: Oct 27 2023
    Summary

    I would recommend to anyone. I have already told a few friends. Good for when you are having hardship

    Positive

    I like everything about Deferit. Since I have been using it it frees up a lot of my money. Being able to pay on 4 with bills was one of the best ideas. It’s rare to find a legit company that does. They don’t charge interest either, you just have a $15 subscription fee which in my opinion is not bad. The more you use them quicker they pay your bills. At first, it did take about 2/3 days but after that they pay my bills same day so if I have an emergency I know they will come through the same day. You can even move the fates yourself if you need to change pay dates and customer service is always excellent. As a single mom this just works for me. I love it

    Negative

    No cons for Deferit. Maybe the monthly fee could be $10 but they don’t charge interest

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Front office sup.
    Has used product for: Less than 6 months
    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

    Very helpful in times of need

    Date: Oct 27 2023
    Summary

    Very good, helpful and reliable in times of need. Very reasonable pay back times, and takes a huge burden off your shoulders in not having to pay it all back in one time.

    Positive

    Gives you peace of mind when u don’t have the funds to cover a bill. Very easy and efficient to use.

    Negative

    Doesn’t give u the option to make the first payment at a different time.

    Read More...
  • Reviewer Name: Debbie H.
    Position: Disabled
    Has used product for: 6-12 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

    Date: Oct 27 2023
    Summary

    Deferit is a very professional company. Deferit help you pay your bills in 4 payment. I have been using deferit for a couple of months now and each time they are quickly to pay my bills.When I had hard time and lost my son I found the deferit to help pay a bill and they was excellent. I would recommend deferit to anyone that is going through a hard time in there life. You download a bill and within minutes it's paid.I love this company. I got my daughter to use this company also and she have been using the deferit to pay her bills and she loves deferit also. Deferit is a very honest company. So give them a shot you want regret it.

    Positive

    Deferit is a very professional company. They are reliable.If you have questions they are there for you to answer your questions. They are a very honest company. Their website is very easy to use.There payments are very affordable.

    Negative

    There is nothing bad Deferit. I would give them 1000 rating if it was offered.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Optician
    Has used product for: Less than 6 months
    Uses the product: Weekly
    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

    Amazing customer service!!!!!

    Date: Apr 10 2022
    Summary

    Very very positive!!!!! I recommended this app to many friends and family and I will continue to do so in the future! I’m not one to leave reviews or do surveys for apps, but Deferit has definitely saved me a lot of headaches.

    Positive

    Customer service with this app is AMAZING! I had an issue that needed resolved and I emailed Deferit and within an hour I got a response back. The issue was I confusion on my part and the person I talk to was super understanding and helped me right away and explained how to prevent the situation from happening again in the future!

    Negative

    None!! Every experience that I’ve had since day 1 of using Deferit it has been nothing but spectacular!!!!!

    Read More...
  • Reviewer Name: Darci P.
    Position: Administrator
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 5,000 - 9,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Amazing

    Date: Apr 07 2022
    Summary

    Amazing! For me it was awesome. Not letting me move on from this review is the most annoying part of my experience. Overall as I previously stated you guys are great.

    Positive

    Deferit is EXACTLY who they say they are AND they do what they say they'll do. Easy to enroll, worth every coin of the subscription. You were a lifesaver for me with my Pepco Bill. I never win anything but you guys deserve this review. Thank you!

    Negative

    There are no cons. Deferit for me was GREAT. Wanting me to keep writing a "con" and not letting me move on is a little annoying but Deferit is an ideal service.

    Read More...
  • Reviewer Name: Janay J.
    Position: Assistant manager
    Has used product for: Less than 6 months
    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

    Promptly

    Date: Apr 07 2022
    Summary

    But other than the subscription fee its a handy bill paying app. I like it. Its good for when you're short on cash.

    Positive

    I like that my bill was paid asap. If you submit the bill during early hours the bill will be taken care of within hours.

    Negative

    The $7.99 subscription fee because i've only use it once so I'm paying a monthly payment and not using the app. It should be like Zip (quadpay) where they just add a $1 to the amount that has to be paid.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Administration
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Great help

    Date: Apr 08 2022
    Summary

    Great experiences. Glad that I came across and downloaded the app. I will be using in the future again.

    Positive

    Deferit came in so great for me when i need it! It kept one of my utilities being shut off..I’m so great I found the app. Will use it again for sure.

    Negative

    Wish it gives me more credit limit to use to pay more than one bill at a time.

    Read More...
  • Reviewer Name: Belinda A.
    Position: Phlebotomist
    Has used product for: Less than 6 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

    I love deferit

    Date: Apr 07 2022
    Summary

    Over all I give Deferit a 10/10 they were there when I really needed them. The monthly subscription is not a lot. I will use them again if I need them. Thank you Deferit!!

    Positive

    They helped in a time when I really needed them. Needed to pay a bill in 4 payments didn’t have the full amount and they came to the rescue! I will recommend them to everyone!

    Negative

    No problems at all I’m recommending them to everyone that need help.

    Read More...
  • Reviewer Name: Misty H.
    Position: CSR
    Has used product for: Less than 6 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

    Love it

    Date: Apr 07 2022
    Summary

    My overall experience was great with this app. It paid my bill within the twenty-four hour timeframe.

    Positive

    It helped a lot when I needed it most…it was easy and very convenient to use. In my time of need it helped me a lot and kept from disconnection.

    Negative

    There wasn’t too much that I could put under the con box because like I said it helped me a lot.

    Read More...
  • Reviewer Name: Jasmyne J.
    Position: Scheduling Specialist
    Has used product for: Less than 6 months
    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

    BEYOND HELPFUL

    Date: Apr 07 2022
    Summary

    10/10 - HIGHLY recommend!! I have nothing but amazing things to say. Always comes through when I need it the most!

    Positive

    This app always comes through when I need it! I am so thankful this is a thing. This app saved me when I needed to pay my car insurance after being in an accident.

    Negative

    Sometimes it wont pay the full amount of the bill.

    Read More...
  • Reviewer Name: Destiny C.
    Position: Personal Shopper
    Has used product for: Less than 6 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

    Demerit helped me

    Date: Apr 07 2022
    Summary

    Great experience and will continue to use Deferit when I run into being a little short on funds. I really recommend this if you feel like you're out if options or if you just want to split a bill into 4 payments.

    Positive

    I was close to a disconnection and needed a little time. Deferit made it possible to get that bill paid before I was able to pay it in full avoiding a disconnection. I love this service!

    Negative

    Sometimes the full amount I need paid isn't an option for me.

    Read More...
  • Reviewer Name: Kendra V.
    Position: Senior Customer Service Representative
    Has used product for: Less than 6 months
    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

    Reliable and Life-changing

    Date: Apr 07 2022
    Summary

    My overall experience has been very positive and convenient. I appreciate the service and use it on an as needed basis. I have not had one issue with a bill being paid by Deferit and no hidden fees. Everything is cut and dry for what the service offers, and it is very affordable to keep around long term. As a single mother I appreciate not worrying about my power being turned off if I miss a payment, because I am in good hands.

    Positive

    Wonderful service for assistance when in a bind and a bill is due. Very affordable subscription fee that is worth what the service offers. Easy to understand payment structure and flexible on due dates. Generous beginning credit limit and increases through on time payments. Simple to upload bills and quick turnaround for payment of utilities.

    Negative

    No cons that I can think of other than not knowing about this service sooner.

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

    Great job

    Updated: Apr 09 2022
    Summary

    A great program and have heard nothing but good things about them have met all expectations. I would refer all friends and family to use this app it is magnificent.

    Positive

    Deferit helps me to pay my bills on time. They only take out what they say to pay back what I owe and I appreciate that. They do a great job and are very reliable.

    Negative

    No cons thus far they are good on their word. And are reliable.

    Read More...
  • Reviewer Name: Ivelisse F.
    Position: Registrar
    Has used product for: Less than 6 months
    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

    Derferit review

    Date: Apr 08 2022
    Summary

    Great customer liked the process, easy navigation through website and signing up.
    Easy uploading of bills.

    Positive

    Quick response of approval or denial.
    Shows reason of why denied.
    Easy upload or accessibility.
    Great customer service.

    Negative

    Didn’t allow you to chose payback dates.
    Or amount of how you would like to pay back.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Retired
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    What a Life Saver

    Date: Apr 07 2022
    Summary

    Good company, especially if you are in a jam. Can't pay the whole bill but can pay the first installment.

    Positive

    Didn't have enough to pay utility bill I applied with Deferit and my bill was paid by them and I had to repay Deferit back in 4 installments.

    Negative

    I don't like the $7.99 monthly fee especially if you are not using their service.

    Read More...