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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: Susan E.
    Position: Owner
    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

    A great service!

    Date: Apr 07 2022
    Summary

    A great experience and I have already referred people to use this and I will continue to! A great idea!

    Positive

    This service has been a huge help! I was I. A pinch and needed to get a bill paid and this service helped me out!

    Negative

    I honestly can't think of any cons, the beginning amount was fair also.

    Read More...
  • Reviewer Name: ANGELA G.
    Position: DIGITAL TEAM LEAD
    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

    Good service.

    Date: Apr 08 2022
    Summary

    At first I thought it was fake but I tried it anyway and it help me to be able to pay another bill love it.

    Positive

    It is easy to use plus it helps you be able to pay monthly payments on a bill that you could not afford to pay in full.

    Negative

    Service fee but if you run a service like this you have to charge something.

    Read More...
  • Reviewer Name: Michael W.
    Position: Servicing coordinator
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 26 - 99
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Legit service and great customer service

    Date: Apr 07 2022
    Summary

    Wonderful! The customer service is spot on. Dennis was very helpful in resolving my issue and answering any questions that I had throughout the process.

    Positive

    The app is easy to use and straight forward. Most bills are supported. The customer service is great whenever you need help. Dennis was very helpful and efficient over the phone.

    Negative

    Not every bill or company may be supported. It's mostly for everyday general bills, such as cable, phone, etc.

    Read More...
  • Reviewer Name: Kimberly W.
    Position: Cashier
    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

    Customer service

    Date: Apr 07 2022
    Summary

    Great service nothing I wouldn’t change about the service if someone says service is bad that’s a lie.

    Positive

    Deferit is very helpful great service always there when u need them .glad I found out about service.

    Negative

    It’s nothing I didn’t like about the service. Excellent.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Customer service rep
    Has used product for: Less than 6 months
    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

    Helped in my time of need

    Date: Apr 07 2022
    Summary

    The instant decision to assist was certainly what i needed. they did not ask for too much and we’re quick to help with any questions i had, i will definitely recommend to all my friends and family!

    Positive

    They quickly approved my bill and provided peace of mind.I just had a baby and they took away my worries with their assistance.

    Negative

    There’s nothing i didn’t like, everything was exceptional!

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

    In a Jam

    Date: Apr 08 2022
    Summary

    I'm glad I found this site. It gave me a little more hope and convenience to try a catch up on bills.

    Positive

    Helped to lower a past due payment to make my bill MUCH easier to pay off. Wish I found it earlier. It's the first service I've seen like it.

    Negative

    Takes a while to build a higher balance for bills.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Mail carrier
    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

    Helpful

    Date: Apr 07 2022
    Summary

    Good so far can’t complain.
    Glad that I was able to get approve and try the company.
    I will continue to use them.

    Positive

    Very helpful time of need.
    Glad that I be able to accomplish what I need in the month. Great app that I 💗

    Negative

    They payment every month times are already hard but I understand.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Security Supervisor
    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

    Great program

    Date: Apr 08 2022
    Summary

    Ultimately this program is very beneficial for your pockets. It’s easy and convenient.
    I highly recommend.

    Positive

    Breaks big amounts in affordable payments.
    Bill can be paid on time.
    Very convenient.
    Very easy instructions.

    Negative

    Doesn’t let you do multiple bills with the option of breaking in 4 payments.
    I believe it defeats the advertisement of breaking in 4 payments.

    Read More...
  • Reviewer Name: Michelle L.
    Position: Asst office manager
    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

    Amazing Program!!

    Date: Apr 07 2022
    Summary

    Really the best! The payments are so affordable, if I ever get behind again I will definitely be using it!

    Positive

    I love Deferit!! We live paycheck to paycheck and sometimes we get behind and one day I was trying to figure out how to pay our phone bill. I found Deferit and it was great! They paid my phone bill and gave me affordable payments to pay them back! They really helped me!!

    Negative

    Nothing! It really is great! There really isn’t a bad thing about it.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Production Manager
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 500 - 999
    Feature Set
    Layout
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Love Deferit

    Date: Apr 07 2022
    Summary

    Love the splitting bill, hate the low amount it provides you with even after you complete the set of payments.

    Positive

    I was about to split my payment into 4 payments. I love this idea as it helps me with other payments.

    Negative

    It starts with a low amount and after you complete an amount it still goes up to a low amount. I went from $100 to $300 plus you have to pay more payments.

    Read More...
  • Reviewer Name: David S.
    Position: Technical support
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 10,000 - 19,999
    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 a game changer

    Date: Apr 08 2022
    Summary

    I have have mostly been satisfied with Deferit. I seen an ad of theirs on Instagram and thought it was a scam. But I looked into it further and seen that it wasn't and gave it a try. The fact something like this exists really helps. It helped me at a time when I was uncertain if I could pay my bills.

    Positive

    The promptness of Deferit paying the bills once you upload them. The ease of making payments. The credit limit they allow you is pretty reasonable.

    Negative

    I thought I read on the website or a review of the website that if you did not have any bills on your account that Deferit was paying then they wouldn't charge you the monthly subscription fee. I did end up being charged when I had no bill payments. I still have an account I just canceled the subscription for now. Need more clarity on that issue.

    Read More...
  • Reviewer Name: Tricia M.
    Position: Administrator
    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

    Best thing i came across yet!!

    Date: Apr 07 2022
    Summary

    Love Deferit it. I have used this twice and i will be using again in future for sure. Customer service gets 5 stars and beyond from me, they get back to you right away and take care of what ever it is you need. This is the best thing since sliced bread.
    Thank you so much for this service.

    Positive

    Being able to pay larger bills in payments.
    Customer service is excellent.
    There is a lot you can do on your own through the app easy navigation.

    Negative

    There is nothing that i don't like about it.
    Honestly there is nothing i would change about it and i have nothing negative to say.

    Read More...
  • Reviewer Name: ABIGAIL B.
    Position: CRS
    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

    Amazing service

    Date: Apr 07 2022
    Summary

    Overall this service helped my family and I by giving me the time to pay a bill I had gotten behind on.

    Positive

    Genuinely helped, Easy to use, timely payback policy, Great support, fast turn around time, cheap subscription price.

    Negative

    They can change how much of the bill they will pay.
    Doesn’t let you use full amount on one bill.

    Read More...
  • Reviewer Name: Michael C.
    Position: Assistant Manager
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 10,000 - 19,999
    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 saved the day

    Date: Apr 08 2022
    Summary

    Deferit was quick, efficient, and delivered exactly what it promised. There are no hidden fees or catches. It's all laid out upfront and they are swift to approve and process payments.

    Positive

    This line of revolving credit is a lifesaver when 💩 hits the fan and you can't make ends meet.

    I love that they will ONLY pay for bills. Not my unnecessary Uber Eats purchase when I know good and well I got food in the kitchen, not the new PS4 game I can't wait to play, and not the impulse buy at the mall. BILLS.

    Rather than be just another Credit Vulture, or Pay-In-4 Debt Shark, they choose to be a life-raft, and one that has floated my backside through tough times more than once.

    Negative

    A select few bills have to be paid via a check in the mail which can take 7-10 days. This is a mild inconvenience, but I totally get why they have to do it that way for certain payments.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Customer service
    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 it

    Date: Apr 08 2022
    Summary

    Great to have.

    Positive

    1. Pays most bills.
    2. Easy use.
    3. Allows you to extend payment if needed.
    4. Has an app. I love it!!

    Negative

    1. The installment fee. 2. Available balance low fee.

    Read More...
  • Reviewer Name: Ruth D.
    Position: Deputy Clerk
    Has used product for: Less than 6 months
    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

    Services

    Date: Apr 16 2022
    Summary

    5 stars!!!!!!!!!!!! My overall experience with Deferit is Number One. It is a comfort toe to know that my utility bills are paid and I only to make four payments to Deferit. I don't know of any other companies that will do this and surely not the utility companies themselves.

    Positive

    Deferit is an awesome app! I have been using it for about 4-6 months and have recommended it to others. I had once instance that a bill did not get paid due to their higher than normal business. I contacted them and they immediately took care of the issue. The staff is very pleasant and friendly to deal with!

    Negative

    I have no complaints. The customer service is very friendly. The monthly fee is reasonable and I understand it is a necessary fee.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Purchasing Agent
    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 has been the light at the end of the tunnel for me! Literally!

    Date: Apr 08 2022
    Summary

    Excellent and I am thankful! Like I said earlier I was struggling with an expensive electrical cost and Deferit kept the lights on and hopefully protected my credit as well :)

    Positive

    I found Deferit totally on accident on social media. I was like "another scam". I checked it out regardless and it totally helped me get leveled out with a very expensive heating and cooling expense in the home that I rent that has very inefficient baseboard heating causing the electrical expense to be way more than "normal" even in the times we live in it is expensive! Thank You Deferit!

    Negative

    I didn't come across anything that I would consider something not to like.

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

    Great Company

    Date: Apr 08 2022
    Summary

    Great company. They really help. They move payments back for you when you really need to. Very nice and loving company.

    Positive

    They help you every time you really need help. Very good at responding in emails. They really treat you like a human being.

    Negative

    Hard to get them on the phone sometimes and sometimes they pay the bill a couple of days after you made your first payment. Hopefully they will get better to where they do it the same day. Also I hope they lower the first payment amount.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Mail carrier
    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

    Horrible

    Date: Mar 21 2022
    Summary

    Used this to pay a couple bills. It was okay until my last bill. Paid the first installment, they took the money out of my account but the bill is still not paid. The customer service number useless. I think there’s one person working the phones cause you can never reach anybody. There’s no online chat, or anything. I’m giving this bill one more day and then I’m disputing the charge with my bank.
    I will be canceling my subscription and going someplace else. Beware of this site. It’s a scam.

    Positive

    Nothing it’s horrible. No customer service. No help.

    Negative

    Everything.

    Read More...
    Official Deferit Response
    Date: Mar 22 2022
    Hey there! Thank you for your feedback. We've been receiving a ton of volume recently and are doing our very best to pay everyone's bill as quickly as possible! You can always reach us by filling out a Help Form on our website and one of our Customer Heroes will get back to you. You can also send us an email at contact@deferit.com. We are working hard to pay your bill on time and we apologize for the delay!
  • Reviewer Name: A Verified Reviewer
    Position: Medical Assistant
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 26 - 99
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Me

    Updated: Mar 21 2022
    Summary

    Sucks all day every day every week so bad until I’m done with this bs you guys should be ashamed of yourself.

    Positive

    There’s no pros to this company. I will never use the service taking money from your account and now my bill is late. I’ll pay it but I’m closing my account.

    Negative

    They take your first payment and now my light bill has a late fee and has not been paid. I’m going to disconnect my banking information.

    Read More...
    Official Deferit Response
    Date: Mar 22 2022
    Hey there! We're so sorry to hear you had a poor experience with us. We've been receiving a lot of volume and so our processing time has been a bit longer than usual. We're working on getting this to be quicker. If you incurred a late fee due to our payment, we will definitely cover the late fee. You can contact us via the Help Center on our website or you can send an email to contact@deferit.com. We would love to resolve your issue and we apologize for the delay again.